Comprehensive financial advice at scale

Our unique financial planning engine enables banks, wealth managers, and insurers to engage customers at scale

Get answers to those tough questions

Built To Scale

Higher engagement. Better adoption. We dramatically simplify the process of building a sound and comprehensive financial plan for both advisers and consumers.

Scale efficiently and effectively. An API model that can be deployed and configured with local rules, tax laws, and advanced statistical models for a new market in just 3 months.

Improved Customer Engagement

  • Increase share of wallet
  • Drive customer acquisition and retention
  • Drive appeal with Gen Z and digital natives

Increased Productivity

  • Reduce product distribution costs
  • Scale advisory faster and more cost effectively
  • Increase adviser capacity and performance

Stronger Compliance

  • Accessible digital record
  • Embedded local rules, tax laws and statistics
  • Covers FNA, RegBI, Risk Profile

Richer Customer Data

  • Better client discovery and segmentation
  • Personalised products and advice
  • Empower up-sell and cross-sell

    Three offerings to fit your unique needs

    Turn-key lead generation solutions

    Highly qualified leads through an easy to deploy suite of solutions: content, marketing websites, calculators, and a DIY financial planning tool.

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    Tailored financial planning solutions

    A simple, yet comprehensive online financial planning platform, white labelled, configured and customized to your unique requirements.

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    API access to build your own experience

    Access to our calculation engine, via APIs, to power your own UX/UI.

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      Increased engagement. Better leads. More sales.​


      63% of clients were interested in consulting an adviser.


      59% of clients were interested in buying a product.


      A plus 20% increase in sales.

        One global platform localized for all your markets

        Extensive localization, including local languages, statistics, rules and tax considerations.

        Retirement Planning

        Household Composition

        Household Income

        Monthly Expenses

        Tax Regulations

        Social Security and Pensions

        Health Care


        Real Estate

          Working with leading financial institutions to bring financial planning to everyone

          Standard Chartered partners with BTO to offer customers a new online financial planning solution

          SC Goals Planner provides Singapore customers with comprehensive financial planning via the bank’s online banking portal and mobile app.

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          Zurich Malaysia and BTO simplify financial planning for Malaysians with Up | MyZurichLife

          The solution took root after BetterTradeOff won the Malaysian round of the Zurich Innovation Championship in April 2020.

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          Leading European financial services provider invests in BTO global expansion

          Dutch Financial Services Provider, Achmea, has completed a minority investment in BetterTradeOff via the Achmea Innovation Fund.

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            We simplify and demystify financial planning

            Best in class data security

            Protecting our customers’ data is a top priority. That’s why we've implemented the necessary policies and controls to achieve SOC 2 compliance, the gold standard of data protection. And with the help of Drata, continuously monitor our controls and maintain compliance over time.

            Seamlessly integrated and easy to scale

            Solution Design and Architecture

            A highly scalable, cloud based model that allows for deployment to new markets in under 4 months.

            API and System Integration

            Our platform uses an API model to facilitate seamless partner integrations that enhance the value of the tool for users, while providing partners with a unique and innovative marketplace for their products.

            Data Management

            Data segmentation, protection, and customer insights covering demographics, platform usage, future intentions, and product interests.

            Service and IT Operations

            Automation and technology provide best in class support for organization, processes and governance.

            Digital Transformation Consulting

            UX, UI design, customer journey, marketing flows, IT architecture and engineering.

            Change Management

            Change management flows from engaging stakeholders in a common vision and managing communication and involvement at all levels throughout the process.

              Backed by 1000+ experts globally

              The Synpulse-BTO partnership brings deep industry experience, regulatory knowledge, expertise in digital transformation and the support of over 1000 experts globally.

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              Arrange a Demo

              Arrange a time to see our solution for yourself.

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              A one-of-a-kind hybrid platform

              We simplify the task of building a sound and comprehensive financial plan for both advisers and consumers.

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              In the News

              Articles, interviews, announcements, and more.

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