The document discusses different business models for distributing financial services, including multi-level marketing, robo-advisory, and a hybrid model. It proposes a hybrid and open model called openPHInance that merges robo-advisory and social investing. This model would allow financial advisors to increase customers worldwide, solve compliance issues, manage omnibus accounts, reduce back office work, and double their revenues. It would provide investors with digital onboarding, access to various asset classes, lower costs than banks, purchase options from different sources, and 24/7 portfolio access and transparency.

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The Future of Finance
Distribution
Daniele Bernardi
Founders DIAMAN Group

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Which is the
largest taxi
company
in the world?
Uber

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Which is the
main trading
company
in the world?
Amazon

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Which is the
foremost hotel
network
in the world?
Booking.com

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Why doesn’t financial industry have
a similar business model?

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Let me analyse the actual Business
models for Financial Service distribution

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Multi Level Marketing Distribution
Client
Own Financial
Products
Bank
Human Relationship
Distribution
Network

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PROS CONS
Distribution Control
Sell of dedicated Products
Capillary Agent Distribution
Budget more easy to reach
Scalable model
More Compliance Control
High Cost of Structure
Bank Oriented
Captive Model
No Financial Advisors
Sale of products
High cost for the clients
Multi Level Marketing Distribution

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Robo Advisory Distribution
Management
Company
Own Financial
Services
Digital
Distribution
Client

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Survey
q Please, take you mobile phone and open the
page:
www.slido.com
q Insert this code:
#OpenPHI
q Enjoy the survey
Survey

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Robo Advisory Distribution
Reduction of Costs
Digitalization of the process
High Scalability
Paperless
No control of Client’s behaviour
High acquisition costs
Difficult to reach break even
Poor interaction with clients
Mean/Variance Models
Only own financial services
PROS CONS

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Digital
Platform
Hybrid Model Distribution
Client
Management
Company
Advisory
Services
Independent
Financial Advisor

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Financial Advisor Centric
Multi Financial Services
Human Interaction
Lower cost respect a Bank
Digitalonboardingandmanagement
Paperless
Control of Client’s Behaviour
Independence
No distribution control
No budget
No Product Sales
Cost higher than R.A.
F.A. has to self manage himself
Hybrid Model Distribution
PROS CONS

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Merging the Hybrid Model with the
Social Investing Model

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Hybrid Model Distribution
Human
Relationship
Digital
Management
Social
Human Digital
Sharing
Oppotunities

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A Hybrid and Open Model for
Finance Distribution
The first social investing open platform

17. 14th
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FAs can increase the customers worldwide
FAs can solve all the compliance and AML procedures
FAs can manage all the clients in an Omnibus Account
FAs can forget all Back Office issues
FAs can have their own on-boarding paperless process
Their clients can view only the FAs Omnibus Account
FAs revenues can double the traditional models
Financial Advisor Advantages

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The on-boarding process is fully digital and paperless
They can invest in all the asset classes, including Alternative
Investments (Crypto, Real Estate, Physical Goods, etc.)
They can reduce the cost respect the Bank services
They can purchase any products from different sources
They can have the report of the portfolios status 24/7
They can appreciate the fully transparency of the platform
Investors’ Advantages

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The future of Wealth Management
is human, digital & social
social
human digital
diaman.eu openphinance.com

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#QUANTvenice
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