Capitalize on



One platform to add financial services:
addWealth, addBanking, addCredit and addInsurance.

Unlock new profit pools by
adding innovative value propositions

We empower banks, insurers, asset and wealth managers and non-financial institutions to add innovative financial value propositions via our API-first platform – create, operate, and source financial services on one digital platform.

Seamlessly deliver wealth
management services

Deliver innovative wealth management value propositions such as goal-oriented investments, retirement, and pension planning, personalized discretionary portfolio management and investment advisory solutions.

Combine with banking, credit and insurance.

Design and run your account and payment proposition

Embed account and payment propositions into your existing customer journeys, spanning current accounts, debit and credit cards, deposits and payment services.

Combine with wealth, credit and insurance.

Extend your offering with credit distribution

Offer secured or unsecured loans to consumers in the right context at the right time, with a streamlined origination journey. Aggregate and deliver loan offers from various third-party lenders in real time.

Combine with wealth, banking and insurance.

Secure your client’s wealth and

Enhance your offerings and propositions with embedded life and non-life insurance products sourced and orchestrated from the right insurance partners.

Combine with wealth, banking and credit.

Why additiv

Unified platform for wealth, banking, credit and insurance

Combine different financial service modules and configurations to create and deliver end-to-end differentiating value propositions.

Sourcing of regulated financial services

Our open architecture approach allows us to source, manage and deliver regulated financial partners of your choice.

Strategic advisory, consulting and implementation services

Leveraging over 25 years of expertise, we design, build, and run your value proposition to bridge the gap between business and technology.


Employees serving


Offices across Europe,
APAC and Middle East


Institutions relying on
our platform


Jurisdictions where
clients are served


Years of experience in
business model transformation

Featured success stories

ATRAMWealth 360

ATRAM, the largest independent asset and wealth manager in the Philippines, partnered with additiv to consolidate all client segments onto a single digital wealth platform to scale solutions for client-centricity.


PostFinance, one of the largest banking institutions in Switzerland, worked with additiv to enter the digital wealth management market, offering a spectrum investment solutions, from advisory and discretionary mandates, all on one platform.


SwissFEX partnered with additiv to launch a mortgage origination platform, with a fully digitized process. The streamlined and simplified journey allows brokers to
to focus on value add advisory.

Trusted by leading brands

Our news and articles

Embedded Finance Consumer Study 2024

How consumers access financial services

Conducted by leading market research and consulting firm Ipsos, this extensive, global survey report assesses the appetite and needs of 4,500 consumers across 10 countries for embedded financial services, identifying consumer perception of existing financial service providers and their offerings, current unmet needs, and the willingness to consume embedded finance propositions through any brand, including non-financial firms.

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