We hope you enjoy this case study! Business Insider Intelligence produces case studies to help you understand how companies in your industry are transforming to digital. Our case studies are unsponsored and published solely at the discretion of the research team. for more information on our case studies.

Have feedback? Let us know.


Fintechs in the wealth management sector, such as Betterment and Scalable Capital, have achieved success by using proprietary algorithms and automation to slash the cost of these services and offer them to previously underserved groups. This has pushed incumbents — including HSBC and Santander — to roll out their own digital wealth management offerings as they seek to tap into the demand catered to by their tech-savvy competitors.

While some are developing these solutions in-house, others are forming strategic partnerships with specialist fintechs to roll out such services. The partnership between Dutch banking giant ING’s German subsidiary ING-DiBa and Scalable Capital is an example of the latter. To understand why these two partnered and the benefits the collaboration offered, Business Insider Intelligence spoke to Erik Podzuweit, founder and chief executive of Scalable Capital, and Simon Miller, UK CEO of Scalable Capital.

Challenge: ING-DiBa wanted to bolster its limited product offerings with investment services. Although ING-DiBa has a sizable customer base — <a [...]