Smart Portfolio Qorus-Infosys Finacle Banking Innovation Awards 2025

Smart Portfolio is a digital financial product designed to democratize investing by making it accessible and straightforward. The core concept revolves around a user-friendly questionnaire that helps clients define their financial goals and risk tolerance. Based on this input, the platform recommends a tailored, diversified investment portfolio. The key objective is to simplify initial investments for new investors and provide a robust diversification tool for long-term investors. Once a client funds their account, the entire process of buying, selling, and rebalancing assets is automated, eliminating the need for manual decision-making and continuous market monitoring. A significant problem for potential investors in Georgia has been the daunting question of "where to start investing." Currently, a very small percentage of the Georgian population (less than 5%) engages in investments. Among those who do or intend to, 35% are unsure how or where to begin. TBC Bank's mission is to simplify people's lives, and Smart Portfolio directly addresses this by enabling individuals to make their first investment easily, starting from just $20, without excessive analysis. Our current business model in investments is focused on attracting as many users as possible. We are not currently generating revenue from the mobile bank investment module; our aim is to encourage widespread adoption, with tariffs to be introduced in the future. Smart Portfolio is instrumental in activating new users and helping them make that crucial first investment. There is currently no similar product on the Georgian market that automatically recommends a personalized portfolio based on user goals. Furthermore, no existing solution offers the level of automated management that frees clients from making decisions on what, when, or how much to buy or sell. The inspiration for Smart Portfolio comes from global robo-advisory technologies and TBC Capital's internal expertise in investment portfolio management and risk assessment.