Value Stream:
‍Evolve

Continuously adapt portfolios, products, and engagement strategies to life events and market dynamics.

Overview

Wealth is never static.
Reassess client goals, simulate future scenarios, and adapt portfolios intelligently ensuring alignment with life events, economic shifts, and growth opportunities.

Key Statistics

Firms using lifecycle analytics improve retention by 25%+ — Accenture Relationship Lifecycle Report

Predictive portfolio rebalancing reduces downside exposure by 20–30% — McKinsey Investment Resilience Study

Product personalization drives 2× cross-sell among existing clients — Bain Financial Growth Benchmark

Firms using AI-driven re-assessment models see 15–25% higher AUM growth — Deloitte Digital Wealth Insights

Current State / Pain Points
Triggers for Urgency
Future State with AI

Static portfolios misaligned with evolving goals.

Reactive product and portfolio reviews.

Missed opportunities from unrecognized life events.

Limited coordination between advisory and product teams.

Client expectations for adaptive wealth strategies.

Market volatility and regulatory changes.

Competitive pressure from personalized digital platforms.

Goal & Portfolio Re-Assessment

Detect life or market changes that require review.

Scenario Simulation

Predict long-term portfolio and risk outcomes.

Product Recommendation Engine

Suggest relevant upgrades or diversification.

Risk Appetite Drift Detection

Dynamically adjust pricing plans based on merchant performance, volume, and risk tier.

Top AI Use Cases (Centric-Powered)​

Lead Scoring​

Predicts conversion likelihood and risk based on behavioral and source data.​

Smart Offer Match

Dynamically assigns best-fit product (e.g., checking vs. loan vs. insurance) based on inferred intent.​

Engagement Risk Detector​

Identifies drop-off patterns to trigger re-engagement or simplified paths.​

Bot + Synthetic Detection

Flags fraud signals using device ID, form fill velocity, and data inconsistencies.​

Channel Source Optimizer​

Identifies which acquisition sources generate the best customers.​

Auto Qualification & Routing​

Filters and routes leads based on eligibility or intent signals.​

Pre-KYC Fraud Flagging​

Flags high-risk leads before triggering costly identity/KYC checks.​

High-Churn Risk Identifier (Early)​

Predicts risk of disengagement in the first 7–14 days to trigger save actions.​

Application Abandonment Predictor​

Predicts which users will drop off mid-application and when to intervene.​

Underserved Applicant Identifier​

Uses alternative signals to qualify thin-file or unbanked customers.​