The fintech landscape isn’t slowing down, and neither are the pressures on financial advice businesses. This month’s edition of TechTalk brings you the latest tech and regulatory developments—and more importantly, what they actually mean for your firm’s operations, compliance, and client experience.
Let’s dive in.
📊 Aviva & FNZ Launch New Tools for Advisers
Aviva for Advisers and FNZ have launched two new tools designed to help advisers work smarter, not harder:
- Adviser Analytics Hub: a new MI suite inside Aviva’s Adviser Hub, offering data insights on client behaviour, segmentation, and business trends.
- New asset transfer workflow – designed to simplify and speed up bulk client transfers onto the Aviva platform, with far less back-and-forth.
This goes beyond ‘more dashboards’—it’s a genuine push to align platform functionality with adviser realities.
💭 What this means for you: If your firm regularly battles with fragmented data or slow re-registration workflows, this tech could significantly reduce turnaround times and resource drain. If you’re platform-agnostic, now’s the time to review which providers are genuinely investing in adviser usability.
🔗 Explore Aviva & FNZ’s collaboration
🔐 Moneyinfo x ZeroKey: Integrated Client Data, Less Hassle
moneyinfo and ZeroKey have announced a new partnership that’s all about speeding up access to client data—without compromising quality.
The integration means advisers can:
- Pull in data from providers, platforms, and open banking feeds
- Pre-populate client profiles with minimal manual entry
- Manage onboarding and reviews via a slick branded mobile app
It’s a tangible step forward in the drive toward smarter, faster client servicing.
💭 What this means for you: Ask your team how many minutes they spend hunting for accurate data before each review meeting. Now multiply that across your entire client base. This kind of automation doesn’t just cut cost—it unlocks capacity and reduces friction in your client journey.
🔗 See what Moneyinfo and ZeroKey are building
🧠 FCA & ICO: AI Is Inevitable—But You Need to Be Ready
In a joint update, the FCA and ICO made it clear: they support the use of AI in financial services—but they’re keeping a close eye on it.
Key points:
- 85% of firms are already using or planning to use AI.
- Data protection is a top barrier.
- A new statutory AI code of practice is being developed to provide clearer guardrails.
The message is: innovation is encouraged, but it must be responsible, transparent, and client-focused.
💭 What this means for you: Whether you’re already using AI tools (e.g. for meeting notes, workflows, or MI) or just considering them, now is the time to audit your processes. Are your providers transparent about how data is handled? Are you confident you could demonstrate compliance?
🔗 Read the full FCA-ICO update
🛡️ Fraud Is Up—Here’s What That Means for Wealth Firms
A recent report shows a 73% increase in online fraud impacting UK businesses. For advice firms handling sensitive financial data, the implications are real and growing.
Advisers need to be aware that:
- Cybercriminals are targeting firms with weak integrations and outdated client portals.
- Trust can be eroded fast if clients feel their data isn’t secure.
- Regulators are paying attention to how firms handle identity verification, document transfers, and platform access.
💭 What this means for you: Security is no longer just an IT issue—it’s a brand issue. Clients are asking more questions about where their data goes and how it’s protected. If your tech partners aren’t visibly proactive on security, it may be time to revisit the stack.
📈 FCA’s 2025–2030 Plan: Get Ready for Open Finance
The FCA’s new 5-year strategy reveals a vision where technology and trust go hand-in-hand. Open Finance is no longer a buzzword—it’s a roadmap.
Key highlights:
- Laying the groundwork for Open Finance regulation and interoperability.
- Supporting firms to adopt AI and digital tools safely.
- Stronger focus on consumer outcomes through transparent data use.
💭 What this means for you: Open Finance could fundamentally reshape how you access, use, and share client data. Are your systems agile enough to keep up? The firms that invest in flexible, future-ready infrastructure today will be the ones that thrive when the frameworks land.
💬 Final Thought: Let’s Be Honest—The Tech Isn’t Slowing Down
The pace of change can be exhausting. But the firms that succeed aren’t the ones doing everything—they’re the ones doing the right things, at the right time.
This month’s updates are a reminder that:
- Data must be trusted, not just available
- AI must be usable and accountable
- Client experience still trumps ‘shiny tech’
At We Complement, we help financial planning firms find their balance—making smart tech decisions that genuinely support advisers, paraplanners, and clients. If you’d like a sounding board on what to prioritise, we’re here.
📬 hello@wecomplement.co.uk 💬 Or just reply here—we always love hearing from planners who want to make tech work.
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