Make “One Investec” real for every client.

A single, living client record spanning accounts, lending, and the Rathbones advice relationship, showing products held, interactions, eligibility, and next best action. It connects across the systems already in place, so relationship managers and advisers work from the same picture instead of reconciling three. This is what makes One Investec operational rather than aspirational.

A pre-built agent orchestrates the full onboarding journey end-to-end across teams, coordinating documentation, approval routing, and account provisioning, and running alongside the AML and screening agents Investec already has in place rather than duplicating them. Adding current accounts, cards, and new clients stops meaning adding people.

Creatio’s Referral Agent reads cross-product signals continuously, the lending client who is a wealth prospect, the deposit relationship ready for advice, and routes the next best conversation to the right banker automatically. The path to 5,000 new clients runs partly through the relationships already on the book.

Business teams design and adapt processes directly on a composable, AI-native platform, so new products and journeys ship in weeks rather than release cycles. As the agent estate scales past 800, workflows, agents, and approvals run under one set of business rules and one audit trail, giving coordination and control across the estate rather than agents acting in isolation. Compliance and full auditability are built into every workflow by default, so governance scales with the product range instead of fighting it.