2025
Growin' Investment Personalization Experience
Growin' Investment Personalization Experience
Providing customers with data-driven, user-centric capital market financial solutions with Mandiri Sekuritas, Indonesia's leading investment bank.
Providing customers with data-driven, user-centric capital market financial solutions with Mandiri Sekuritas, Indonesia's leading investment bank.
Problem Statement
Problem Statement
Users are intimidated by one-size-fits-all investment strategies.
Users are intimidated by one-size-fits-all investment strategies.
Growin' is the most innovative investment & trading platform from Mandiri Sekuritas, with five products:
Growin' is the most innovative investment & trading platform from Mandiri Sekuritas, with five products:
Stock
Own a slice of Indonesia's listed companies' stocks
Investing in stocks through Growin' allows you to own shares in leading Indonesian companies, offering high-growth potential and the opportunity to build long-term wealth
Stock
Own a slice of Indonesia's listed companies' stocks
Investing in stocks through Growin' allows you to own shares in leading Indonesian companies, offering high-growth potential and the opportunity to build long-term wealth
Mutual Fund
Grow you wealth stress-free with diverse mutual fund options
Enjoy effortless investing with Growin's diverse mutual fund options, designed to help you build wealth with ease and peace of mind
Mutual Fund
Grow you wealth stress-free with diverse mutual fund options
Enjoy effortless investing with Growin's diverse mutual fund options, designed to help you build wealth with ease and peace of mind
Margin
Amplify your trades with smarter margin financing
Boost your investment potential with Growin's margin—trade now, pay later with greater flexibility and smarter opportunities
Margin
Amplify your trades with smarter margin financing
Boost your investment potential with Growin's margin—trade now, pay later with greater flexibility and smarter opportunities
Sharia
Gain peace of mind through fully sharia investment options
Invest ethically with Growin' Sharia, offering Sharia-compliant options listen in the Sharia Securities List (DES) and aligned with Islamic principles
Sharia
Gain peace of mind through fully sharia investment options
Invest ethically with Growin' Sharia, offering Sharia-compliant options listen in the Sharia Securities List (DES) and aligned with Islamic principles
Bond
Achieve steady, reliable growth for your future through bonds
Bonds in Growin' offer predictable income and lower risk, making them a reliable choice for securing steady, long-term financial growth
Bond
Achieve steady, reliable growth for your future through bonds
Bonds in Growin' offer predictable income and lower risk, making them a reliable choice for securing steady, long-term financial growth
Why personalize Growin'?
Why personalize Growin'?
As we see a shift towards personalization across all industries, enabled by technology, we must leave one-size-fits-all strategies behind and shift our focus to tailored solutions. Therefore, Growin’ must move towards a more inclusive, responsive, and personal approach to investing. A future worth investing in is a future where it isn’t just about how much you will invest, but about how much of ‘you’ will be reflected in your investments.
This is what Growin’ should offer:
a data-driven, heart-led, user-centric, personal investing experience.
As we see a shift towards personalization across all industries, enabled by technology, we must leave one-size-fits-all strategies behind and shift our focus to tailored solutions. Therefore, Growin’ must move towards a more inclusive, responsive, and personal approach to investing. A future worth investing in is a future where it isn’t just about how much you will invest, but about how much of ‘you’ will be reflected in your investments.
This is what Growin’ should offer:
a data-driven, heart-led, user-centric, personal investing experience.
What makes it personalized?
What makes it personalized?
A personalized portfolio is more than just an assortment of investments; it’s a custom-crafted strategy designed to align perfectly with an individual’s unique financial situation and aspirations.
A generic investment plan might blanket all investors with the same array of stocks, bonds, and assets. But this is not the case with a personalized investing experience, which is meticulously developed and adjusted based on the factors of age, income, financial objectives, and risk tolerance. This tailored approach ensures each investment decision is a step toward each user’s overarching financial goals.
Beyond simply picking the right stocks and bonds, recommending a cohesive plan to users involves careful consideration of personal goals, risk tolerance, and life stage.
Put simply, here is what a personalized investing experience looks like:
Streamlined user experience to create and deliver more engaging, tailored insights at the ideal times.
Frictionless, navigable high-quality and personalized insights that is accessible to all wealth levels so that competitive advantage is created over time with data.
Democratizing personalized investing / leveling the playing field for all wealth levels with portfolios that reflect and align with their individual values and financial objectives.
Personalized/bespoke portfolio recommendation consisting of optimized asset allocation to give users a sense of ownership.
A personalized portfolio is more than just an assortment of investments; it’s a custom-crafted strategy designed to align perfectly with an individual’s unique financial situation and aspirations.
A generic investment plan might blanket all investors with the same array of stocks, bonds, and assets. But this is not the case with a personalized investing experience, which is meticulously developed and adjusted based on the factors of age, income, financial objectives, and risk tolerance. This tailored approach ensures each investment decision is a step toward each user’s overarching financial goals.
Beyond simply picking the right stocks and bonds, recommending a cohesive plan to users involves careful consideration of personal goals, risk tolerance, and life stage.
Put simply, here is what a personalized investing experience looks like:
Streamlined user experience to create and deliver more engaging, tailored insights at the ideal times.
Frictionless, navigable high-quality and personalized insights that is accessible to all wealth levels so that competitive advantage is created over time with data.
Democratizing personalized investing / leveling the playing field for all wealth levels with portfolios that reflect and align with their individual values and financial objectives.
Personalized/bespoke portfolio recommendation consisting of optimized asset allocation to give users a sense of ownership.
Competitor Analysis
Competitor Analysis
Robinhood
Robinhood
Democratize finance for all
Democratize finance for all
Problem: Millennials and Gen Z face barriers of entry in investing and don’t have enough capital
Commission-free, no minimums
Educates users
Robinhood's features attract and retain users through gamification, creating anticipation, educational content, and community-building through referrals
Problem: Millennials and Gen Z face barriers of entry in investing and don’t have enough capital
Commission-free, no minimums
Educates users
Robinhood's features attract and retain users through gamification, creating anticipation, educational content, and community-building through referrals
Acorns
Acorns
Look after the financial best interests of the up-and-coming, beginning with micro-investing
Look after the financial best interests of the up-and-coming, beginning with micro-investing
Problem: Millennials think they don’t have enough capital to invest and fear inexperience will lead to losses
Robo-advisor and micro-investment service that leverages spare change to grow long-term wealth
Seamless, effortless automatic investing that happens in the background
Problem: Millennials think they don’t have enough capital to invest and fear inexperience will lead to losses
Robo-advisor and micro-investment service that leverages spare change to grow long-term wealth
Seamless, effortless automatic investing that happens in the background
Wealthfront
Wealthfront
Interactive approach to financial goal-setting and trustworthy investing
Interactive approach to financial goal-setting and trustworthy investing
Problem: Gen X beginner to intermediate-level investors don’t know where to start with their financial goals
User onboarding allows users to segment themselves based on experience level
Limited options to mitigate choice paralysis
Users can use the Path tool to adjust their retirement age, planned savings, housing costs, expected windfalls, etc. with real-time graph updates
Problem: Gen X beginner to intermediate-level investors don’t know where to start with their financial goals
User onboarding allows users to segment themselves based on experience level
Limited options to mitigate choice paralysis
Users can use the Path tool to adjust their retirement age, planned savings, housing costs, expected windfalls, etc. with real-time graph updates
Alinea
Alinea
All-inclusive platform for first-time investors
All-inclusive platform for first-time investors
Problem: Gen Z and women faces barriers of entry to investing and don’t know where to start
Guides first-time investors with what to invest in and how much to invest based on risk profile and interests with real-time updates
User-friendly interface with personalized investment strategies
“Robinhood meets Wealthfront"
Playlists: Users can build their own direct indexes and manage ETFs, customize around themes
Annual membership ($120) to access financial education and automated investing
Problem: Gen Z and women faces barriers of entry to investing and don’t know where to start
Guides first-time investors with what to invest in and how much to invest based on risk profile and interests with real-time updates
User-friendly interface with personalized investment strategies
“Robinhood meets Wealthfront"
Playlists: Users can build their own direct indexes and manage ETFs, customize around themes
Annual membership ($120) to access financial education and automated investing
Everyone’s getting personal.
Here are some numbers
Everyone’s getting personal.
Here are some numbers
Growing demand for personalization
71% of consumers expect companies to deliver personalized interactions, and 76% get frustrated when this doesn’t happen (McKinsey 2021)
Over the next five years in three sectors alone—retail, healthcare, and financial services—personalization will push a revenue shift of some $800 billion to the 15% of companies that get it right (BCG 2023)
Personalization drives performance and better customer outcomes
Companies that grow faster drive 40% more of their revenue from personalization than their slower-growing counterparts (McKinsey 2021)
Investment personalization contributes to customer loyalty
>40% of affluent customers are currently not receiving the personalized solutions they seek from their wealth managers (Deloitte AG 2023)
>50% of RIAs anticipate an increasing demand for personalized investment portfolios among their clients, especially millennials and Gen Z (Schwab 2022)
Growing demand for personalization
71% of consumers expect companies to deliver personalized interactions, and 76% get frustrated when this doesn’t happen (McKinsey 2021)
Over the next five years in three sectors alone—retail, healthcare, and financial services—personalization will push a revenue shift of some $800 billion to the 15% of companies that get it right (BCG 2023)
Personalization drives performance and better customer outcomes
Companies that grow faster drive 40% more of their revenue from personalization than their slower-growing counterparts (McKinsey 2021)
Investment personalization contributes to customer loyalty
>40% of affluent customers are currently not receiving the personalized solutions they seek from their wealth managers (Deloitte AG 2023)
>50% of RIAs anticipate an increasing demand for personalized investment portfolios among their clients, especially millennials and Gen Z (Schwab 2022)
Your financial journey is uniquely yours, so your Growin’ investment experience should be, too.
Your financial journey is uniquely yours, so your Growin’ investment experience should be, too.
Key Components
Key Components
Asset Allocation
Asset Allocation
Risk Management
Risk Management
Holistic Financial Integration
Holistic Financial Integration
Adaptive Strategies
Adaptive Strategies
Asset allocation
Based on your financial goals, life stage, time horizon, and risk tolerance, assets are allocated in a way that optimizes your potential returns while managing risk levels, which leads us to the next component
Risk management
Before investing, it is critical to assess your personal comfort with risk, your investment timeline, and your financial goals.
Holistic financial integration
Growin’ should provide a holistic financial integration that considers all aspects of your financial life. This includes everything from upcoming needs like buying a home to ongoing expenses and long-term goals like retirement. Adopting a holistic approach helps investors avoid making investments in isolation and instead make them part of a comprehensive financial plan.
Adaptive strategies
A personalized investing experience offers the flexibility to pivot as your life evolves and economic conditions fluctuate. This adaptability is crucial, enabling you to respond adeptly to personal milestones such as a career change, the expansion of your family, and broader economic shifts.
Asset allocation
Based on your financial goals, life stage, time horizon, and risk tolerance, assets are allocated in a way that optimizes your potential returns while managing risk levels, which leads us to the next component
Risk management
Before investing, it is critical to assess your personal comfort with risk, your investment timeline, and your financial goals.
Holistic financial integration
Growin’ should provide a holistic financial integration that considers all aspects of your financial life. This includes everything from upcoming needs like buying a home to ongoing expenses and long-term goals like retirement. Adopting a holistic approach helps investors avoid making investments in isolation and instead make them part of a comprehensive financial plan.
Adaptive strategies
A personalized investing experience offers the flexibility to pivot as your life evolves and economic conditions fluctuate. This adaptability is crucial, enabling you to respond adeptly to personal milestones such as a career change, the expansion of your family, and broader economic shifts.
As your life evolves, Growin’ adapts.
As your life evolves, Growin’ adapts.
Growin’ is not static; it’s responsive, adjusting to changes in users' financial landscape and shifts in the market. This keeps users' investments relevant and effective, so they can get toward their financial goals.
As trends and ideas wax and wane, Growin’ must stay by users' side, achieving sustainable loyalty beyond just piquing their initial interest.
Growin’ is not static; it’s responsive, adjusting to changes in users' financial landscape and shifts in the market. This keeps users' investments relevant and effective, so they can get toward their financial goals.
As trends and ideas wax and wane, Growin’ must stay by users' side, achieving sustainable loyalty beyond just piquing their initial interest.
