Investing consciously by relying on professional advisors is essential to protect the value of your savings, especially in times of market turbulence such as the current one, dominated by uncertainty. For this reason it is it is necessary to adopt an informed attitude, based on the relationship of trust between the customer and the bank, a fundamental value for a relationship that lasts over time and leads to sustainable choices in line with the projects and objectives of the family and the private individual.
Today, in fact, the wealth management revolves around a key concept: the Customization. One-size-fits-all solutions are now outdated. Each customer has specific needs and the wealth management must be able to adapt to meet these demands with tailor-made solutions.
This is precisely the vision that the Banca dei Territori of Intesa Sanpaolo has adopted towards private savers, families and the so-called "customer segment"exclusive“, with a more consistent capital and with investments in more complex financial instruments, focusing on consultancy capable of accompanying people throughout the entire cycle of their financial life, technological innovation and human relationships. But also paying great attention to the risks and opportunities that the swing of the markets offers to savers.
"We follow a 'holistic' approach in the sense that we consider the client's assets in their entirety, because this type of analysis allows us to truly personalize financial planning – he explains Tiziana Lamberti, Executive Director Sales & Marketing Wealth Management & Protection Banca dei Territori Intesa Sanpaolo –. Together with our managers, customers can consciously identify their needs, even those that are not yet evident, and obtain adequate support”.
According to Lamberti, "investing consciously is essential to protect the value of one's savings in the medium to long term. Manager Support of Banca dei Territori becomes essential to accompany the customer in their financial choices so that they are sustainable over time, through dedicated consultancy in the branch or remotely thanks to the level of technological innovation that the first Italian banking group has.
Value Together: Intesa Sanpaolo's tailor-made financial consultancy
In a complex and constantly evolving market context, qualified support is essential to face economic challenges, protect assets and seize the best opportunities.
It is based on these principles Value Together, the advanced consultancy program aimed at retail and exclusive customers of Banca dei Territori led by Stefano Barrese. It is based on a advanced platform which constantly monitors the performance of markets and portfolios, to seize the opportunities most in line with the individual objectives of each client. But It's not just about investments: integrates areas such as protection insurance, the pension, the evaluation real estate , planning succession. The latter is an increasingly relevant topic: every year, in Italy, over 200 billion euros are transferred between generations, and according to estimates, by 2045 this figure will exceed 1.000 billion. “Italy is increasing awareness of the importance of a common reflection on the transmission of patrimonial assets to heirs, generating opportunities for wealth in the long term, a savings challenge that is far from obvious,” says Lamberti.
The program also stands out for a transparent pricing model, which provides for a partly fixed and partly variable fee, with advantages for customers who opt for the Exclusive formula. At the end of 2024, the program has already gained over 248 thousand customers, managing approximately €82 billion in assets under advisory.
Robo4Advisor: Technology at the Service of Consulting
To offer an ever better service to customers, in addition to traditional consultancy, Intesa Sanpaolo has decided to integrate technological solutions to enhance the quality of service. An example is Robo4Advisor, infrastructure developed with BlackRock Solutions (belonging to the US giant of managed savings), which supports managers in the proactive management of portfolios. “The features of the Aladdin BlackRock platform, dedicated to the investment projects of the clients, allow our fellow managers to be attentive to proactively grasp the trend of the markets to harmonize the client's portfolio with respect to the shared objectives – comments Lamberti –. Through this feature, the manager has the possibility, in fact, to insert a wide range of instruments for the benefit of the client”.
For more independent customers, Robo4Advisor also allows you to receive personalized suggestions via app or internet banking. Recommendations are adaptable, and the customer can accept, reject or modify them freely. At any time, he can still contact a manager, both physically and digitally, to receive more personalized assistance.
Finance Together: Financial Awareness for All
Another pillar is thefinancial literacy, an essential premise for making informed decisions. This is why it was created Finance Together, a platform open to all, with particular attention to young e women. With over 350 contents including videos, quizzes, thematic paths and self-assessment tests, the platform fuels the culture of saving and financial awareness to help develop greater autonomy in managing money.
“With Finance Together we propose an accessible language, capable of bringing everyone closer to the issues of saving – explains Lamberti -. The platform is structured for self-learning and helps to better understand the relationship with money, exploring both the basic notions and more advanced concepts through videos, quizzes and insights, avoiding technicalities and without any commercial purpose, in fact there are no products”.
A section dedicated to “ will soon be availableWomen and Savings“, to bridge a still large cultural gap and promote female economic independence, especially in light of the latest data highlighting how only 58% of women have a current account.
Special attention to new savers: young people and Silver Economy
Intesa Sanpaolo wants to respond to the needs of different age groups: Come on Millennial, eager to invest with awareness but often poorly informed, to Silver Economy, that increasingly large and long-lived segment of the population that finds itself facing challenges related to asset management in old age.
For the younger ones, the bank offers a free current account for under 35s for daily management, an honor loan without guarantees for studies and a mortgage with maturities of up to 40 years to have sustainable installments, as well as tools such as My Tomorrow (open pension fund) and My Future (individual pension plan), designed to help people start building their own supplementary pension from a young age, with accessible and customizable payments. In particular, to meet the needs of young people and digital customers, Intesa Sanpaolo launched isybank, the digital bank developed within the Banca dei Territori which adds another piece to the broader digital transformation project that sees the entire Group play an innovator role at European level, thanks to the isyTech infrastructure and which stands out for the human touch in the relationship with the customer, represented by approximately 2.300 Digital Branch managers.
For the older generation, Solution Tomorrow – developed with the Group’s Insurance Division – offers comprehensive support for asset management, succession planning and capital protection. The program also includes services for well-being, leisure, social and support for family caregivers, with insurance and assistance solutions designed to lighten the emotional and economic burden.
Corporate welfare: support for businesses
In collaboration with the Group's Insurance Division, Intesa Sanpaolo completes its offer with insurance coverage for individuals and businesses, including supplemental healthcare solutions and group accident and health risk policies.
In fact, Intesa Sanpaolo also responds to the needs of businesses. Through the digital platform Welfare Hub, companies can build tailor-made programs that are flexible and suited to the needs of employees, who can spend the welfare credit in affiliated businesses or propose new ones. Initiatives such as Welfare on Demand e Promoshopping Point they also contribute to supporting the local economic fabric.
Thanks to the collaboration with Adapt and its High Training School, the annual report Welfare for People, which analyses and describes the most relevant developments in the Italian welfare landscape.
