Digital-first investors are reshaping financial services. But while large institutions are surging ahead with AI and robo-advisory platforms, many smaller firms feel left behind. The reasons are clear: high implementation costs, complex systems, and a lack of internal digital expertise
Key Fact: The Digital Advisory Boom
Robo-advised assets hit $1.8 trillion globally in 2023 and are forecasted to reach $3 trillion by 2027 (Statista).
Despite the boom, only 9% of smaller firms currently offer robo-advisory services (Capgemini).
75% of firms cite cost and skills shortages as the primary barriers (Deloitte).
The implication is serious—this isn’t just a tech lag. It’s a growing competitiveness gap. Without digital capabilities, smaller firms risk becoming irrelevant to a new generation of investors.
Market Reality: Expectations Have Changed
Today’s investors—particularly millennials and Gen Z—demand:
- Always-on digital access to financial services
- Hyper-personalized advice based on goals and behaviors
- Fee transparency and simplicity
Traditional, manual advisory approaches simply can’t keep up. And the market is rewarding firms that do.
The Cubic Advantage: Smart Tech Without the Complexity
At Cubic Systems, we’ve designed a scalable, low-code platform specifically for small and mid-sized firms.
With our Advanced Data Analytics and AI-Powered Advisory Framework, firms can:
- Launch custom robo-advisory tools that reflect brand and client segmentation
- Use AI to generate smart portfolio recommendations and automate rebalancing
- Empower staff with real-time, actionable dashboards
- Ensure compliance through audit-ready analytics and tracking tools
These tools aren’t built for engineers—they’re built for everyday advisors to succeed.
Key Impact: Real Transformation in 90 Days
A boutique advisory firm with just 15 employees partnered with Cubic to reverse client churn and modernize operations.
Together, we:
- Deployed a client-facing advisory portal in under 90 days
- Reduced manual work via AI-powered portfolio management
- Cut advisor workload by nearly 40%
The Results:
- 41% increase in assets from clients under 35
- Major lift in client satisfaction scores
- Faster, more personalized service—without new headcount
Final Take: Digital Advice, Done Right
Digital transformation isn’t a luxury—it’s a must for long-term growth. But it doesn’t have to mean high overhead or complex IT.
Smaller firms can now:
- Deliver digital-first experiences that rival the big players
- Operate leaner while increasing engagement
- Turn data into decisions without needing in-house data scientists
Cubic Systems enables this shift—securely, affordably, and fast.