Tailormade Financial Products
QI4M, THE STARTUP INCUBATED BY B4I A' BOCCONI FOR INNOVATION USES AI AND MACHINE LEARNING TO PERSONALIZE AND MAKE THE OFFER EVEN MORE TRANSPARENTTo create financial products from scratch tailored to every type of investor, to do it in a simpler and more flexible way over time, but above all saving first and earning later thanks to technology. This is the goal that many startups in the financial world are aiming at today and that Qi4M has been applying for four years on the market through the use of a technological and service platform, based on proprietary algorithms. The difference with other more traditional operators? "We do not distribute investment products designed by others, often designed outside Italy and intended to meet different needs. We are a digital factory and we can directly create, thanks to our robot index, personalized and transparent financial products in the pursuit of objectives," says Vittorio Carlei, co-founder, CEO and head of R&D at Qi4M, which looks to close 2022 with approximately 1.2 million in revenues.
Thanks to Artificial Intelligence (AI) and machine learning engines, some intermediate phases of the process are reduced (for example, those of asset allocation and asset management merge). But in particular , "better results are obtained for customers when avoiding any kind of distortion, dictated both by unconscious errors and by conflicting strategies. This is how, overall, the degree of transparency that our algorithms follow allows us better communication and explanation of the decisions made to the investors themselves," Carlei points out. “This happens both by addressing a b-to-b audience and, even more so, a b-to-c audience, a segment in which we are entering with greater determination." It is no coincidence that the new offer of the startup developed in the accelerator of Milan’s Bocconi University, B4i-Bocconi for innovation, is part of the first actively managed certificate, based on robot index, listed and affordable. Meanwhile, however, the evolution of Qi4M continues and its staff now numbers 15 people, including the team dedicated to research & development, all under 30 years old.
by Camillo Papini
