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A platform for financial institutions · est. 2026

Holistic financial
advice
is now for everyone.

Vecta helps financial institutions deliver deeply personalised financial advice at scale — transforming how goals, behaviour and financial intent are understood.

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Built with institutions across

01 · The problem

“Most people never receive meaningful financial advice.”

Traditional advice doesn't scale

It's expensive, manual and face-to-face. The mechanism is human hours, and there are only so many.

Most working people

Face their biggest financial decisions — retirement, housing, family — without anyone to think them through with.

The result

A vast, under-served middle. Exactly the people for whom small adjustments would matter most.

02 · The solution

A continuous, conversational layer that clarifies, models and explains.

Embedded inside the products people already use, Vecta listens for intent, models outcomes patiently and explains trade-offs in plain language. Human advisers remain in the loop where they add the most value.

Live · embedded in your members' app

Member asked

“Am I on track to retire at 62?”

Vecta

Based on your super balance, contributions and spending — you're projected to reach $680k by 62. That sustains your lifestyle until 87 with a comfortable buffer.

Projection based on 7.2% average return, CPI-adjusted.

Follow-up

“What if I contributed $200 more a month?”

Vecta

That moves your retirement date to 59 — three years earlier. Or keeps you at 62 with an extra $94k in reserve.

Small adjustments compound significantly over a 22-year horizon.

Capabilities

Built around how people actually think about money.

  • Goal clarification

    Surfaces what each person actually wants, in their own words.

  • Behavioural understanding

    Adapts to how someone responds to risk, friction and uncertainty.

  • Scenario modelling

    Patient, side-by-side trade-offs with explainable assumptions.

  • Adviser-in-the-loop

    Hands off cleanly to a human, with full context, where one helps most.

03 · Why now

AI changes the economics of understanding people financially.

Personalisation that once cost hundreds of dollars per conversation can now reach millions of people — without losing its humanity.

Cost per personalised conversation Indexed · log scale

The advice gap

Most people never get financial advice.
Not because they don't need it — because there aren't enough hours in an adviser's day.
Vecta changes that.

04 · Scale

Built for institutions serving millions,
globally.

Designed from day one for pension funds, banks and wealth platforms whose members measure in the millions — across multiple regulatory regimes, languages and product lines.

3B+

people globally without access to personalised advice

<5%

currently receive financial advice tailored to them

05 · Trust

Transparent.
Explainable.
Human-centred.
Built responsibly.

Trust isn't a feature we ship — it's the foundation everything else stands on. Four principles guide every part of how Vecta is built.

●

Explainability

Every recommendation traceable back to its inputs, every time.

●

Human oversight

Advisers join the loop where they add the most value.

●

Responsible AI

Continuously tested, audited and monitored — across geographies.

●

Privacy by design

Member data is minimised, encrypted, and owned by the member.

Reimagine
financial advice.

See how Vecta fits inside your institution's existing channels in under thirty minutes.

Request demo Talk to our team

Get in touch

Now you can bring advice to more people.
Let's chat.

We work with super funds, banks, wealth platforms, and insurers. Tell us a bit about what you're building and we'll get back to you within one business day.