Atos launches Personal Financial Management as a Service

Previous press release

Atos launches Personal Financial Management as a Service

London 4 December 2015

Atos, an international leader in digital services, has today launched a next generation digital solution for retail financial services in EMEA, Digital Customer Experience Transformation (DCXT).


The solution enables Banks, Wealth Managers and Insurers to attract, keep and grow the value of their customers with a class-leading customer experience platform and intelligent decision support to help them better manage their financial affairs.


DCXT is an ‘as a service’ solution which combines Atos Analytics (Business Data and Analytics Platform) with market-leading offerings from Backbase (omnichannel digital platform), Envestnet | Yodlee® (digital financial data aggregation platform) and Creative Virtual (natural language virtual assistance).   Each of these partners has independently been recognised as a leader in its field:


  • Backbase this year was declared by Forrester to be the leader in Omni-Channel Digital Banking.
  • Envestnet | Yodlee won a Monarch ‘Always On’ Innovation Global 250 award in 2015 and ‘Best Innovator’ award from Fintech in 2014.
  • Creative Virtual was named a 2015 Cool Vendor by Gartner and won two Stevie Awards for Sales and Customer Service in 2014 for its virtual assistant technology.

Michael Davison, Industry Principal Financial Services at Atos, said: “The launch of Digital Customer Experience Transformation offers customers the opportunity to understand and manage their complete financial position in a single place.  It’s a dynamic tool for personal financial management, enabling customers to set, track and act to achieve their personal financial goals.” 


“We chose to partner with Backbase as it provides the flexible, intuitive customer experience which is so important for Personal Financial Management services.   Customers experience unique value when we bring this together with Atos analytics.”


“Envestnet | Yodlee provides a financial data aggregation service which offers the same high level of security as financial institutions.  This will enable us to deliver better value to our EMEA customers without compromising privacy, data protection or regulatory compliance.”


“Banks, Wealth Managers and Insurers understand that their customers now expect value-added services which are delivered at a time of their choosing and on any digital device.  This solution delivers on the promise both to empower the customer digitally and to drive customer retention based on value.”


“It allows customers great flexibility to manage their personal finances in a way which reflects their lifestyle and preferences.”


When signing up to the service, the customer gives permission for the solution to securely access as many of their financial holdings as they personally specify.  Data is then made available for analysis and presentation to them via the Backbase customer experience platform.  The customer data enabling this is encrypted, de-identified and secure. 


Integration with Creative Virtual’s intelligent virtual assistant technology enables customers to interact with the solution in natural language to pose questions and ask for in-context information based on their current financial position and what they are trying to achieve.


Atos supports many of the world’s leading financial services companies through times of rapid change, enabling innovative customer engagement and improved operational efficiency.

For further information please speak to:


Jackie McColl
0141 221 0707/ 0771 065 1973


Karen Halley
0131 225 7700/ 0784 112 8150


Digital Customer Experience Transformation is the third new solution this year to be launched by Atos UK and Ireland into the UK financial services market.  Each solution addresses an acute industry issue impacting business performance. Financial Crime and Compliance Management as a Service, in partnership with Oracle was launched in May.  Web Threat Protection as a Service, in partnership with Imperva, was launched in July.

About Atos


Atos SE (Societas Europaea) is a leader in digital services with 2014 pro forma annual revenue of circa € 11 billion and 93,000 employees in 72 countries. Serving a global client base, the Group provides Consulting and Systems Integration services, Managed Services and BPO, Cloud operations, Big Data & Cyber-security solutions, as well as transactional services through Worldline, the European leader in the payments and transactional services industry. With its deep technology expertise and industry knowledge, the Group works with clients across different business sectors: Defence, Financial Services, Health, Manufacturing, Media, Utilities, Public sector, Retail, Telecommunications, and Transportation.


Atos is focused on business technology that powers progress and helps organisations to create their firm of the future. The Group is the Worldwide Information Technology Partner for the Olympic and Paralympic Games and is listed on the Euronext Paris market. Atos operates under the brands Atos, Atos Consulting, Atos Worldgrid, Bull, Canopy, and Worldline.


For more information, visit:

About Backbase


Backbase is the maker of Backbase CXP, the award-winning customer experience platform that helps enterprises create, manage, and optimize digital experiences across any device. Backbase CXP offers a new, omni-channel presentation layer that unifies data and functionality from existing business applications and IT systems into a seamless customer journey.


Alongside Backbase CXP, Backbase has developed Backbase DBP; the omni-channel digital banking platform optimized for retail banking, commercial banking, and wealth management-specific scenarios. Similarly, Backbase for insurers is a digital insurance solution that focuses on customer enrolment and self-service scenarios.

About Creative Virtual


Creative Virtual is a leader in self-service customer experience management solutions for enterprises. It provides the most advanced technologies in knowledge management, natural language processing and virtual assistants to help businesses deliver intelligent, personalised customer experiences.


Global organisations such as HSBC, Verizon, Autodesk, E*TRADE, Lloyds Banking Group, Tesco and National Rail Enquiries rely on Creative Virtual technology to optimise their customer support, sales, marketing and call centre teams, reduce costs, increase online sales, and achieve operational excellence across mobile, web and social media channels.

About Envestnet


Envestnet, Inc. (NYSE: ENV) is a leading provider of unified wealth management technology and services to investment advisors. Our open-architecture platforms unify and fortify the wealth management process, delivering unparalleled flexibility, accuracy, performance, and value. Envestnet solutions enable the transformation of wealth management into a transparent, independent, objective, and fully-aligned standard of care, and empower advisors to deliver better outcomes.


Envestnet | Yodlee is a leading technology and applications platform powering dynamic, cloud-based innovation for digital financial services. More than 950 companies, including 12 of the 20 largest U.S. banks and hundreds of Internet services companies, subscribe to the Envestnet | Yodlee platform to power personalized financial apps and services for millions of consumers. Envestnet | Yodlee solutions help transform the speed and delivery of financial innovation, improve digital customer experiences, and deepen customer engagement.


Envestnet | Yodlee is headquartered in Redwood City, CA with global offices in London and Bangalore. For more information, visit


Next press release

Contact us

Adam Fisher
Head of Press
Our website uses cookies. By continuing to surf this website, you consent that we will continue using cookies to measure and understand how our web pages
are viewed and to improve the way our website works. If you do not agree, you can decide to disable cookies in your web browser as explained in our Privacy Policy
Accept cookies More Information