In a context of increased competitive pressure and growing expectations regarding the profitability of client relationships, Wealth Management players need a clear, reliable and immediate view of the impact of their pricing policies. The challenge is no longer only to set competitive conditions, but to understand precisely their effect on revenues and ROA at every decision-making level.
With this objective in mind, a large wealth management organization evolved its analytics platform by relying on Integraal’s expertise. The goal was clear: to transform pricing data into a genuine strategic steering lever, serving both commercial teams and pricing managers.
The deployed solution is based on a pricing simulation engine integrated into the Azqore S2i core banking system. This engine makes it possible to replay past or hypothetical pricing conditions, both at the level of an individual client and for a group of clients sharing common characteristics. This multi-level simulation capability provides a detailed and consistent view of the impact of pricing decisions over time.
In practical terms, the platform simulates the effect of general conditions, retrocessions and operations across all generated flows. Recurring and non-recurring revenues are automatically recalculated, enabling precise measurement of the real contribution of each pricing adjustment to ROA. This analytical approach significantly strengthens the quality of commercial trade-offs by replacing intuition with quantified and comparable scenarios.
For relationship managers, the value is immediate. During a specific negotiation, they can analyze in real time the impact of a pricing adjustment on client profitability. This instant assessment capability secures decisions, facilitates client discussions and aligns commercial interests with the institution’s economic objectives.
At central level, Integraal designed a dedicated steering module, the Pricing Guardian. This tool provides a consolidated view of all pricing simulations and their impacts. Pricing managers therefore have a global dashboard to analyze trends, compare scenarios and adjust pricing policies consistently and under control across the entire scope.
By automating revenue recalculation according to different scenarios, the solution supports a broader continuous optimization approach. It strengthens the precision, responsiveness and governance of pricing decisions, while integrating naturally with existing Wealth Management systems.
This use case illustrates Integraal’s ability to support financial institutions in evolving their analytics platforms by delivering concrete, business-oriented solutions that directly create value. Pricing simulation thus becomes a strategic tool serving profitable and sustainable growth.
