Turn investor intent into a completed, sustained recurring investment.
For asset managers, banks, wealth platforms and brokerages that want to convert more investor intent into completed, sustained recurring plans, and cut discontinuation.
What is Agentic Commerce?
AI that doesn't just respond, it acts. An agentic system understands investor intent, routes it through governed, compliant workflows, and drives it all the way to completion, discovery → decision → execution → portfolio action → re-engagement, without the investor hitting a dead end or switching tabs. DiscvrAI is this layer, embedded inside AMCs, banks and wealth platforms. Not a consumer app. Not a chatbot. Conversion infrastructure.
Who it's for
Asset managers, banks, wealth platforms and brokerages looking to convert more investor intent into completed recurring fund investments, and reduce how many lapse. Evaluated by CXOs, typically CTO, CDO, Chief Growth Officer or CEO depending on organisation, with product/digital and compliance/risk as downstream stakeholders.
Typically championed by
The shift
Industry-wide, 91% of investor intent on wealth platforms never converts to a live, repeat recurring investment. Of the ones that do convert, roughly 78 plans are discontinued for every 100 new ones started, a ratio that has stayed elevated since 2021, with 1 in 5 active recurring accounts not contributing each month. Building a guided, compliant conversion layer in-house is a substantial, multi-year cost and time commitment, an estimated $3M+ and 18 months, minimum.
Framed as a thesis, not a proof point (pre-pilot): increases how much investor intent converts into a completed, funded recurring plan, and how much of that plan stays active rather than lapsing, improving discovery quality, execution completion, portfolio actionability, and ongoing engagement and reactivation at every stage of the investor lifecycle.
Financial product journeys leak users at every step
Most platforms lose users because discovery, advice, execution and follow-up are disconnected, each stage is built, owned and measured separately.
Source: Industry onboarding benchmarks (2025); BFSI conversion studies; trading app benchmarks; industry proxy model.
Biggest single drop
Discovery → Decision loses 27%. Investors can browse but can't decide without guided comparison, contextual advice and clear CTAs.
KYC cliff
40-50% of users abandon during KYC (industry onboarding studies, 2025). Leading retail platforms report 35-40% drop at this stage.
Plan continuity crisis
~78% plan discontinuation ratio (industry benchmarks, 2025). 1 in 5 active recurring accounts not contributing each month.
DiscvrAI acts at every drop point
Guided CTAs at discovery. Nudges at KYC. Trigger-based alerts for continuity. ML-driven reengagement for repeat action.
How it works
An embedded agentic commerce layer, full web and mobile app, not a chatbot, that runs inside your own product and infrastructure. AI-assisted, not AI-dependent: natural language and tap-based actions both route into the same governed, audited workflow. A three-layer AI architecture separates supervised ML (prediction/scoring, explainable, back-end only), NLP/GenAI (front-facing conversational discovery, constrained to widget-bound actions, cannot free-generate execution instructions), and agentic orchestration (journey routing, KYC-gated, fully logged, human confirmation required for every transaction, no autonomous execution).
- Step 1
Grounded on Your Data
The stack runs inside the bank or AMC environment on their own product, holdings and KYC data, so every recommendation reflects real eligibility and positions rather than generic content.
- Step 2
Supervised ML
Prediction and scoring, explainable, back-end only.
- Step 3
NLP / GenAI
Front-facing conversational discovery, constrained to widget-bound actions, it can't free-generate execution instructions.
- Step 4
Agentic Orchestration
Journey routing, KYC-gated and fully logged, with human confirmation required for every transaction, no autonomous execution.
Modules & sub-capabilities
Recurring Investment Conversion & Onboarding Accelerator
Turns investor intent, a fund search, a chat query, a saved scheme, into a completed first recurring investment, with pre-filled, editable order flows that resume exactly where an investor dropped off. Built directly against the industry's biggest single drop-off: discovery to decision.
Guided Journey Console
An enterprise journey router, AI-assisted, not AI-dependent. Every action card opens the same structured, version-controlled workflow; asking in natural language is just another door into it, same screens, same validations, same audit trail.
Guided Discovery & Execution
Structured filters, in natural language, never a black box. Category, risk, horizon, rating and cost filters are applied, visible and editable on screen; natural language pre-fills the form, it never replaces it. Output: a curated, explainable shortlist instead of an 8,300-fund catalog.
Portfolio Intelligence & Trigger-Based Rebalancing
'Portfolio Doctor', not a static dashboard, an action layer. Evaluates concentration, performance and goal alignment, then routes a Trigger → Plan → Execute flow to a concrete, severity-scored action.
Drop-off Recovery & Re-engagement
Detects abandoned recurring plan registrations, lapsed mandates and missed instalments, then re-engages with a resumable, one-tap path back to completion.
Cross-Sell & Next-Best-Action
Recommends the next relevant fund, top-up or product to an existing investor based on portfolio and lifecycle stage.
Continuity & Governed AI
Stay engaged after the first transaction, safely. Portfolio-linked alerts, missed-instalment recovery nudges and dormant-to-active reactivation journeys, delivered over WhatsApp, Telegram or in-app.
Compliance & Audit Console
Every AI-assisted step, via card, search or natural language, is logged, reviewable and exportable for compliance and risk teams, with human-in-the-loop escalation on partner-defined guardrails.
Trust & governance
No autonomous execution
Every transaction requires explicit investor confirmation; the AI assists discovery and routing, execution always follows a fixed, audited workflow.
Constrained by design, not just by policy
The NLP/GenAI layer is constrained to widget-bound actions and cannot free-generate execution instructions, it can't improvise a transaction outside the governed workflow.
KYC-gated and fully logged
Journey routing is KYC-gated and fully logged end to end, with human confirmation required for every transaction.
Every step is reviewable
Every AI-assisted step, via card, search or natural language, is logged, reviewable and exportable for compliance and risk teams.
Runs in your own environment
Designed to run inside your own cloud and infrastructure, with partner-defined guardrails and human-in-the-loop escalation.
Deploys fast without new architecture
Deploys full-stack in 8 weeks, with no microservices architecture prerequisite.
One governed cycle, eight steps
Every investor action, tap or type, moves through the same governed cycle, ending back where continuity begins.
- Step 1
01 Ask
Plain-language request.
- Step 2
02 Understand
Goal, risk & horizon context.
- Step 3
03 Recommend
Curated, suitable shortlist.
- Step 4
04 Explain
Why this fund / action.
- Step 5
05 Execute
Guided buy / sell / switch.
- Step 6
06 Monitor
Portfolio & alerts tracked.
- Step 7
07 Rebalance
Trigger-based actions.
- Step 8
08 Nudge
Continuity, back to Ask.
An enterprise product, not a chat add-on
Full web + mobile app, agentic throughout
A complete investor app, discovery, recurring investments, portfolio, rebalancing, alerts, with AI woven into every screen, not a chatbot bolted on.
Modular - deploy what you need
Discovery, recurring investment execution, portfolio, rebalancing, alerts and KYC are independently pluggable, start with one journey, add more over time.
Runs on your infrastructure
Deployed inside the bank/AMC's own environment, integrated as an SDK / embeddable library into existing apps, not a separate destination.
A 4-pillar conversion engine, not a feature list
Each pillar maps to a stage of the investor lifecycle where existing platforms typically lose the user.
Discovery Quality
Goal / risk / horizon-led discovery replaces generic catalogs and filters, curated shortlists, explainability, comparison and an immediate CTA.
Execution Completion
Guided buy / sell / recurring investment flows with structured validation, progress visibility and resume-incomplete-order, reducing final-mile drop-off.
Portfolio Actionability
Trigger-based rebalancing with a severity model turns portfolio insights into switch, top-up, redeem, restart-plan or rebalance actions.
Ongoing Engagement & Reactivation
Personalized alerts, digests and nudges drive repeat conversion, plan persistence and dormant-to-active reactivation.
“We do not claim better conversion because we look better. We claim better conversion because we reduce friction and increase actionability at every stage of the investor lifecycle.”
DiscvrAI Conversion Thesis
Validation methodology
An 8-12 week controlled-cohort pilot (existing flow vs. DiscvrAI-guided flow, same segment, full event instrumentation) measured against funded conversion uplift, rebalance completion uplift, plan continuity improvement, and repeat action improvement.
Agents deployed for this module
These are the named agents we deploy when DiscvrAI Wealth Platform is the production module for your business problem. Studio names what we deploy for your problem. You do not install it yourself.
Recurring Investment Agent
Intent to funded planTurn investor intent into a completed, funded recurring plan.
See how we deploy thisDrop-off Recovery Agent
Recover abandoned journeysDetect abandoned registrations and re-engage with a one-tap path back.
See how we deploy thisYou might also need
Get in touch
Frequently asked questions
Converting recurring investments is the core job. The platform is built specifically to turn investor intent (searches, calculator visits, saved schemes) into a completed, funded recurring plan, not just to increase app engagement.
Yes, a dedicated recovery flow detects abandoned registrations, lapsed mandates and missed instalments, and re-engages investors with a one-tap, resumable path back to completion.
The core engine is built around recurring investment conversion and continuity; the same guided-journey pattern extends to cross-selling adjacent investment products via the Cross-Sell & Next-Best-Action module.
Industry estimates put a comparable in-house build at roughly $3M+ and 18 months, minimum. DiscvrAI deploys full-stack in 8 weeks against your existing app, with no microservices architecture prerequisite.
The platform is validated through controlled, cohort-based pilots, measuring funded conversion uplift, rebalance completion and plan continuity improvement against an unchanged control group on the same segment.
No, every transaction requires explicit investor confirmation; the AI assists discovery and routing, execution always follows a fixed, audited workflow.
Yes, the platform is designed to run inside your own environment and infrastructure.
No, it's a full web and mobile app with AI woven into every screen, not a chat interface bolted on top.
Usually a CTO, CDO or Chief Growth Officer sponsors the evaluation, with the product/digital team and compliance/risk as downstream stakeholders before rollout.