Glass facades of office towers

For banks, savings banks, insurance brokers and financial sales organisations

Regulation grows, branches shrink, customers want answers. Where is the time for advice?

ivato digitalises what costs time alongside advice and closing: customer enquiries, documents for loans and applications, inbox, advice documentation, portfolio care and reports. Core banking and broker management systems stay. Your team gains time for customers, and you see where the potential lies in the portfolio.

Callback from an industry adviser →See case examples ↓

Clients from this industry

Your day-to-day

Do you recognise these sentences from your organisation?

In banks, savings banks and financial sales, documentation obligations and customer expectations are growing at the same time. Every hour spent on the inbox, documents and minutes is missing from advice.

You recognise 0 of 8 statements

Tap the statements you recognise from your day-to-day work.

Process

Where do you lose the most time between enquiry and portfolio care?

Choose your area and a stage. You will see how it often works today, what ivato implements there and what changes.

Today

Mailboxes and callbacks

Customer enquiries arrive through many channels and are answered individually.

With ivato

Reply with source

  • Enquiries bundled and pre-sorted
  • Draft replies from approved content
  • Handover to adviser with summary

What changes

Answered faster

Routine questions are dealt with in minutes, and advisers receive only what they need.

Case examples

What does this look like in a company like yours?

Examples from a bank, a broker office and a financial sales organisation, each with starting point, solution, result and calculation. The core systems stayed.

  • Regional bankCentral Germany240 employeesRetail and corporate customers

    Loan documents complete in days instead of weeks

    Starting point
    For home financing and corporate loans, documents were requested several times, and advisers spent a lot of time following up.
    Solution
    Document portal with checklist per product, completeness check on upload, automatic reminders and status display for customers.
    Result
    Applications are complete significantly faster, and advisers gain time for advice and closing.
    Investment
    €52,000
    Payback
    3 months

  • Retail brokerSaxony8 staffapprox. 3,000 clients

    Inbox in 20 minutes instead of two hours a day

    Starting point
    Insurer mail from portals, email and paper. Two back-office staff sorted every morning, assigned documents to clients and contracts and created tasks.
    Solution
    AI reads incoming documents, recognises type, client and contract, files them in the broker system and creates tasks only where something really needs doing. Clients receive relevant mail in the client portal automatically.
    Result
    The back office only checks exceptions. The time gained goes into client appointments and the switching season.
    Investment
    €21,000
    Funding
    €8,400
    Own contribution
    €12,600
    Payback
    6 months

  • Retail brokerBavaria15 staffapprox. 5,500 clients

    Annual reviews planned automatically, more contracts per client

    Starting point
    Service conversations only took place at the client's request. Many clients had had no contact for years, and cover gaps were unknown.
    Solution
    Analysis of the portfolio by life situation and gaps, automatic invitation to the annual review with online appointment booking, short pre-meeting questionnaire and a prepared meeting folder for the adviser.
    Result
    Regular contact with the whole portfolio. More contracts per client and fewer cancellations.
    Investment
    €27,000
    Funding
    €10,800
    Own contribution
    €16,200
    Payback
    7 months

  • Commercial brokerNorth Rhine-Westphalia25 staffMid-sized businesses, trades, industry

    Risk capture and tendering in days instead of weeks

    Starting point
    For every commercial quotation, long questionnaires as PDFs, incomplete information, many queries. Tenders to insurers were compiled by hand.
    Solution
    Online risk capture per industry with mandatory information and document upload, AI prepares tender documents and presents insurer quotations side by side clearly.
    Result
    Complete risk data the first time, faster quotations and more commercial clients with the same team.
    Investment
    €34,000
    Funding
    €13,600
    Own contribution
    €20,400
    Payback
    8 months

  • Financial sales organisationBaden-Württemberg120 advisersPensions, home financing, investments

    New advisers productive faster, leads distributed fairly

    Starting point
    Onboarding through training days and calls with managers. Leads were distributed by email, with no tracking of who did what with them.
    Solution
    AI knowledge assistant with products, processes and conversation guides, lead distribution in the CRM by region and qualification, pipeline and closings per adviser transparent.
    Result
    New advisers advise independently sooner. Managers see where leads are being left lying.
    Investment
    €48,000
    Payback
    9 months

More case studies · Funding programmes

Solutions

Which tools does ivato use in banks and financial sales?

Building blocks that sit alongside the core banking and broker management systems. Chosen according to what costs you the most time.

  • Document portal

    Checklists, upload and reminders for loans and applications.

    To Implementation →

  • AI inbox

    Insurer mail from portals, email and scans is read, assigned to client and contract and filed in the broker system. Tasks arise only where something needs doing.

    To Scaling with AI →

  • Advice documentation via AI

    Minutes draft from the conversation, mandatory information checked, you approve.

    To Scaling with AI →

  • Portfolio analysis & gap finder

    Shows which clients have which cover and where the gaps are. A basis for targeted outreach instead of a scattergun approach.

    To Sales & CRM automation →

  • Reports at the push of a button

    Key figures for the board and the regulator from existing data.

    To Reducing costs →

  • Annual review & campaign automation

    Invitations with appointment booking, motor switching season, premium adjustments, birthdays, life events. Automatically at the right time, in your office's tone.

    To Implementation →

Your systems

Do we have to replace the core banking or broker management system?

No. The core banking system, broker management software and comparison calculators remain the leading systems. We start in front of and alongside them: enquiries, documents, documentation, portfolio and reports. We plan outsourcing so that your requirements for IT security and regulatory compliance are met.

Your systems stay

  • Connection via existing interfaces or exports
  • Answers only from approved content
  • Servers in Germany
  • AI model exchangeable

Process & prices

How do we start without disrupting day-to-day business?

With a 30-minute conversation. After that you decide step by step. Your effort is a few appointments with the board or management and the specialist department.

  1. Step 1

    Initial call

    30 minutes with an adviser who knows your business model. We discuss where margin and time are lost, and tell you honestly what pays off.

    free of charge

    Request a callback ↓

  2. Step 2

    Strategy

    We look at the path from enquiry to invoice, calculate the business case in euros and agree a roadmap.

    max. €7,000 net · eligible for funding

    To Strategy →

  3. Step 3

    Implementation

    We implement the most effective building blocks, connect your systems and train your team until it runs.

    Fixed price by scope · 8–12 weeks

    To Implementation →

Estimate your funding

Funding rate
Funding
€12,000
Your contribution
€18,000

Simplified calculation. Rate and maximum amounts depend on the programme, federal state and company size. Consulting can additionally receive a grant of up to €5,600.

Projects successfully supported
1,000+
Projects successfully supported
Years of experience
25+
Years of experience
Funding for implementation
up to 60%
Funding for implementation
dedicated contact person on the project
1
dedicated contact person on the project

Frequently asked questions

Questions from banks, brokers and financial sales organisations

Your question is not here? In the initial conversation we take 30 minutes for your specific topic.

We plan solutions so that they fit into your outsourcing and security concept, and we coordinate them with your IT and compliance.

Yes, if it is set up correctly. We use AI services that do not use data to train other parties' models, protect health data especially and settle everything in a data processing agreement. Which consents and releases from confidentiality you need, we clarify with your data protection officer.

No. We start in front of and alongside it and connect it via existing interfaces.

No. The AI sorts mail, prepares conversations, reminds you of appointments and structures the documentation. You advise, recommend and decide. That is precisely what there should be more time for.

In most cases yes, via existing interfaces or data exports. We check this in the initial consultation, before you commit.

Often precisely then, because the owner sorts the mail and handles claims personally. If one building block saves an hour of administration per day or brings a few additional contracts into the portfolio, it pays for itself quickly. The business case shows this before the investment.

Yes. A portfolio with clean data, documented processes and active client contact is considerably more attractive to buyers and successors. With our Exit check we additionally prepare the handover in a structured way.

For the consulting, a grant of up to €5,600 is possible; for implementation up to 60%, depending on federal state and programme. We check the suitable programmes in the initial consultation and take care of the application documents. As of: 10/2026, programmes change regularly.

Read on

Contact

Exchange ideas with one of our specialists from your industry.

30 minutes, free of charge. We tell you openly where you are losing time and what is worthwhile.

  • Callback within one working day
  • NDA on request

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