Self-Directed Investment Platform: Bringing Behavioural Intelligence to Digital Wealth Management

Discover how everyoneINVESTED and Prometeia combine behavioural intelligence and investment expertise to help banks and wealth managers deliver personalised digital investment journeys across European markets. 

What is a self-directed investment platform? 

A self-directed investment platform gives individual investors full control over their investment journey from initial orientation (be it guidance, targeted support or individual profiling) over portfolio construction through order execution and ongoing monitoring.  All this  without requiring a dedicated human advisor for every interaction. When powered by behavioural intelligence and embedded investment tools, it enables financial institutions to deliver personalised, scalable investment experiences at a fraction of traditional investment costs. 

A data-driven strategy that enables personalisation and supports scalability additionally addresses the challenge of the European Securities and Markets Authority (ESMA) to “simplify the retail investor journey” (see ESMA press release 12 March 2026) to the benefit of increased financial participation.  

How everyoneINVESTED and Prometeia are redefining digital wealth management 

everyoneINVESTED and Prometeia have co-developed a Self-Directed Investment Platform that combines behavioural investor profiling with institutional-grade investment and monitoring capabilities. The platform is the first to integrate everyoneINVESTED’s Profiling API directly into Prometeia’s established investment infrastructure creating a single, end-to-end digital investment journey for banks and wealth managers. 

The collaboration brings together two complementary areas of expertise: everyoneINVESTED’s science-based behavioural finance profiling, developed and validated across multiple European banking environments, and Prometeia’s established wealth management capabilities, including investment advisory, risk management, portfolio construction, and portfolio monitoring, trusted by leading financial institutions across Europe. 

What does the joint platform deliver? 

The everyoneINVESTED and Prometeia platform delivers three core capabilities: 

• Behavioural profiling at onboarding. everyoneINVESTED’s Profiling API captures investor preferences, risk appetite, and behavioural patterns at the start of the journey — producing  more data because of its engaging representatin, and producing better data because of a richer, more accurate client picture compared to traditional questionnaire-based approaches. 

• Embedded investment and portfolio construction. Prometeia’s investment engine translates profiling insights into tailored investment solutions, aligned with each institution’s investment framework, compliance requirements, regulatory obligations, and business model. By combining behavioural intelligence with institutional investment expertise, the platform supports suitability-driven investment decisions, portfolio construction, and ongoing monitoring within a seamless digital experience. 

• Continuous portfolio monitoring. Ongoing monitoring capabilities track portfolio evolution and client objectives over time, helping financial institutions maintain meaningful client engagement throughout the investment lifecycle. By combining monitoring with behavioural intelligence and investment expertise, institutions can deliver more relevant and timely investment experiences while supporting long-term investor engagement. 

Who is this platform designed for? 

The self-directed investment platform is designed for first-time and experienced investors looking for an easy, personal, reliable and valuable digital investor experience.  Such clients are reached and served by banks or wealth managers seeking to: 

• Expand their investor base by making investment journeys more accessible and intuitive for clients who prefer digital-first or hybrid investment models 

• Increase assets under management through more relevant, personalised investment strategies that improve client retention and engagement 

• Scale personalised investment experiences without proportional increases in advisor capacity by embedding behavioural intelligence directly into the client experience. 

• Support MiFID II suitability requirements through a flexible and configurable framework aligned with institutions’ regulatory obligations and operating models. 

The solution is modular and built to integrate with existing digital ecosystems allowing institutions to adopt capabilities incrementally according to their business priorities and operating model. 

What is behavioural finance profiling and why does it matter? 

Traditional investor profiling focuses primarily on stated preferences and and qualitative self-assessments on the appetite for risk. Behavioural finance profiling improves in two ways.  First it observes several, complementary aspects of a person’s decision-making process.   Second, the information is crucially quantitative and inferred from observed trade-offs in various contexts.  User appreciation has been confirmed and documented in various settings and in multiple markets, similarly by experienced and unexperienced investors. 

By embedding this intelligence at the start of the investment journey, financial institutions can develop a richer understanding of investor preferences and behaviours. The data-driven process supports scalability of  personalised investment experiences, improve the relevance of investment proposals, and help institutions build stronger long-term relationships with their clients. 

Frequently asked questions 

What makes this platform different from  from traditional digital wealth management solutions? Unlike many digital investment solutions that treat profiling, portfolio construction, and monitoring as separate activities, the everyoneINVESTED and Prometeia platform brings these capabilities together into a single client experience. Behavioural intelligence supports the journey from initial onboarding through to investment decisions, portfolio monitoring, and ongoing client engagement. 

Is the platform available to test? Yes. A joint live demo platform is now available for financial institutions to experience the end-to-end investment journey firsthand. Contact the team to arrange access. 

How does the platform handle compliance and regulatory requirements? The platform is designed to operate within the compliance frameworks of regulated banks and wealth managers. Investment solutions offered by Prometeia and everyoneINVESTED are built for regulated financial institutions across Europe, and the modular architecture allows institutions to configure workflows in line with their MiFID II suitability requirements, regulatory obligations, and operating models. 

Which markets does this solution serve? The solution is designed for banks and wealth managers operating across European markets, building on Prometeia’s established presence across Europe and everyoneINVESTED’s behavioural finance research and profiling experience developed and validated across multiple European banking environments. 

Can the platform integrate with our existing core banking or wealth management infrastructure? Yes. The platform is modular and designed to integrate with existing digital and wealth management ecosystems. Financial institutions can adopt capabilities incrementally or implement a broader end-to-end investment journey, depending on their business objectives, operating model, and technology landscape.