We built the Investor Room for DM Copernicus: a platform where clients open their own account, sign their agreement, buy certificates or bonds and track their returns.
About the client
Copernicus Securities S.A. (DM Copernicus), together with fund manager TFI Copernicus, sells closed-end fund certificates and corporate bonds to investors – securities that aren’t traded on the stock exchange.
Sales are handled by in-house advisers, branches and agents, while online advertising also brings in new clients.
Before a client can buy certificates or bonds, the firm has to verify who they are, run the required questionnaires, sign an agreement with them, take their order and confirm their payment. Payments were reconciled in Excel and by email, and client data was spread across several systems at once.
Excel and emailPayments and orders were reconciled by hand.
Data in several placesInformation about clients and funds was scattered across different systems.
Everything went through an adviserA client who came from an advert couldn’t open an account, sign an agreement or check their returns on their own.
Many people, different permissionsAdvisers, agents, branches and the compliance team needed the same data, but not everyone was allowed to see everything.
Manual work limited the number of offerings the firm could run and increased the risk of errors in documents required by regulation.
Without a change, every advert would have ended with a call to an adviser rather than a purchase.
OnlineThe entire client journey online, from registration to the sale of certificates.
A single source of dataOne client database for advisers, head office and the compliance team.
Compliant by designRegulatory requirements built into the process, rather than checked at the end.
Built for the futureA system ready for further products, such as shares and open-ended funds.
Clients open an account on their own or via a link from their adviser, complete a questionnaire and verify their identity. A welcome pack of documents arrives by email straight away.
The client signs the agreement and chooses what to invest in. The documents are generated automatically, and the purchase is confirmed with an SMS code.
Clients pay by bank transfer or via Przelewy24, and the system automatically matches each incoming payment to the right order.
Clients can see their holdings, returns and purchase history, along with market commentary and new offers.
Advisers, branch directors and the compliance team see the clients within their remit, while marketing can tell which ad brought in each client.
The project was delivered in stages:
The system is built for heavy traffic: 1,000 clients logged in at the same time, with headroom to spare during advertising campaigns.
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