Harvest and fincite release the fourth annual industry report — co-authored with 11 domain experts from AllUnity, DWS, Morningstar, Upvest, wealthAPI, and more — mapping where European banks must move from strategy papers to proof of execution.
Paris / Frankfurt am Main, March 2, 2026.
Strategy is no longer enough. Supervisors want
evidence. Clients expect systems that simply work. And the $90.5 trillion in global HNWI wealth
sitting on the table makes the cost of inaction very real.
Harvest and fincite today released the WealthTech Radar 2026, their fourth annual report on the
trends reshaping European wealth management. The message is direct: the industry has
moved past the era of pilots and proof-of-concepts. Five execution priorities now define who
wins and who falls behind.
The five priorities:
- Cloud resilience — measured by auditable recovery, exit readiness, and vendor control,
not by policy documents - Asset tokenization — where settlement speed and collateral mobility create real,
measurable value - Direct indexing — adopted selectively where economics and client preferences actually
align - Advisor-ready wealth aggregation — the prerequisite for share-of-wallet gains in the
wealth transfer era - AI at scale — but only on a clean, governed wealth data core with integrated workflows
Cloud Sovereignty Is Now a Proof Sport
The report’s special topic chapter cuts through the sovereignty debate: what matters in 2026 is
not which jurisdiction your data sits in, but whether you can demonstrably restore critical
workloads within defined RTO/RPO windows. The ECB has been explicit. Boards need to treat
cloud resilience as a revenue topic — not an IT checklist.
Tokenization: From Pilot Narratives to Live Rails
The era of tokenization pilots is over. The Radar tracks institutional programs that have moved
into production: cash and settlement mechanics, tokenized bonds and funds, and collateral
mobility models. The short-term payoff is faster settlement and more flexible collateral —
provided custody, interoperability, and governance are built in from day one.
Direct Indexing: The Technology Is Ready. The Business Case Is Selective.
Direct indexing is technically mature. But broad retail scale in Europe in 2026 is not realistic.
Fractional-share legalities, tax asymmetries, and best-execution economics set the limits. The
opportunity is real where mandates are large enough, client preferences justify the service wrap,
and total cost math works.
Wealth Aggregation: The Bottleneck That Became a Growth Lever
Next-gen clients expect a consolidated, actionable view of all their assets. Most relationship
managers still don’t have the tooling to deliver it. Banks that close this gap — and make
aggregation genuinely advisor-ready — defend and grow wallet share before, during, and after
the wealth transfer moment.
AI in Wealth Management: Outcomes, Not “Pilotitis”
AI is becoming a baseline expectation. But 71% of wealth management executives call digitalfirst capability retention-critical, while only around half offer AI-supported client profiling. The
report maps the operating prerequisites that separate a proof-of-concept from frontline
outcomes: data layer quality, model governance, and workflow integration. In that order.
Built With the People Who Actually Know
The WealthTech Radar is not a single-company view. Each trend chapter is co-authored by an
independent domain expert — practitioners and leaders who work these problems every day.
The 2026 edition brings together:
- Jerome Evans, CEO, firstcolo — Cloud & Geopolitical Tensions (Special Topic)
- Simon Seiter, Managing Director & CFO/CPO, AllUnity — Asset Tokenization
- Alexander Sperlich, Managing Director DACH & Head of Strategic Business
Development EMEA, Morningstar — Direct Indexing - David Niedzielski, Managing Director, Sprengnetter Gruppe — Real Estate
- Dr. Til Rochow, CPO & Co-Founder, Upvest — Digital Wealth Backend
- Susanne Krehl, Chief Growth Officer, wealthAPI — Wealth Aggregation
- Leyla Kunimoto, Founder, Accredited Investor Insights — Private Equity / Venture
Capital - Delphine Asseraf, Deputy CEO, Harvest — AI in Wealth Management
- Dr. Alexander Bechtel & Pablo Nobre dos Reis, Global Head of Digital Products &
Digital Products Analyst, DWS — Crypto Assets - Dr. Oliver Pfeil, CEO, ÖKOWORLD AG — ESG Restrictions
- Nicola Alvaro, Head of Wealth Services & Distribution, Allianz Life Luxembourg S.A. —
Digital Estate Planning
Quotes – What the Authors Say
“Artificial intelligence does not replace people — it amplifies their decision-making
capability.”
— Delphine Asseraf, Deputy CEO, Harvest
“Clients move fast — Wealth Management solutions must connect even faster.”
— Paul Kammerer, CCO, fincite
About fincite
fincite is a WealthTech software provider, repeatedly recognized for growth and innovation
(Fintech Germany Award 2025, WealthTech100 2025, ESGFinTech100 2025). The company
addresses the wealth-management challenges of financial institutions with intelligent software
solutions. Its customers include leading international banks, mid-sized financial advisory firms,
established private banks, and digital challengers. The team consists of more than 60
employees from over 15 nations and has been part of the Harvest Group, headquartered in
Paris, since 2025. For more information: www.fincite.de
About HARVEST
HARVEST is a long-standing leader in European WealthTech, specializing in software for
wealth management and finance professionals. For 36 years, the group has supported
professionals with solutions that cover the entire value chain in wealth and finance. The group
develops digital solutions and provides information essential for informed decision-making in
wealth and finance. As a data specialist, it enables the automated construction of efficient,
tailor-made portfolios. With more than 4,600 corporate clients, the group offers a set of software
and services widely used by professionals who aim to deliver high-quality advice. For more
information: https://www.harvest.eu/
Press Contact
Christian Paulus | Marketing Director, fincite | +49 (0) 171 331 1983 | Christian.Paulus@fincite.de