January, 2026
by Filipe Girão, Fintech Marketing Strategist, Link Consulting
“The pace of change has never been this fast — yet it will never be this slow again.” — Jim Marous
The asset management industry is at an inflection point. The very forces that fuelled its growth over the past decades — trust, tradition, exclusivity — are now being tested by the rise of new digital paradigms. The 2025 investor no longer wants returns alone; they demand speed, transparency, and control. Value no longer lives solely in the product. It lives in the experience.
In recent years, we have witnessed a structural shift: investors are digital by default, yet asset managers still operate with largely analogue processes. Marketing campaigns have become increasingly sophisticated, but onboarding still relies on PDFs, email chains, and manual validations. The result is a paradox: demand has never been higher — and neither has friction.
“Digital transformation is not about technology — it’s about survival.” — Jim Marous
The challenge is no longer generating leads. It is not wasting them. Operational friction remains the sector’s biggest invisible cost — a cost that rarely appears in financial statements, but is felt in every lost lead, and in every frustrated investor who cannot subscribe online with the same ease they experience everywhere else.
It is in this context that InvestOnBox was born: Link Consulting’s digital platform for asset management firms and financial institutions that want to transform their front-end experience without rewriting their core systems.
Built on the foundation of dozens of projects delivered for banks and asset managers across Europe and Africa, InvestOnBox brings together digital onboarding with biometrics, online subscription and redemption, a mobile and web client portal, and direct integration with management platforms such as FundManager and Binfolio AMS. All of this, within a secure, compliant, mobile-first ecosystem — deployable in weeks, not months.
More than technology, InvestOnBox represents a philosophy: digitalize to free the human. The investor experience becomes seamless — from the very first touchpoint to post-sale relationship management — and asset management teams stop acting as process operators and return to what truly matters: being trusted advisors.
Security and compliance sit at the heart of this experience, with biometric authentication, digital signature, and full traceability, ensuring that innovation always comes with trust built in.
The Portuguese market is ready. Leading asset managers already understand that competitive advantage is not about “being digital” — it is about feeling effortless in an increasingly complex world. New players are born with technology in their DNA; incumbents have credibility and assets. What is missing is the bridge between those two worlds.
That bridge is the digital experience. And that is precisely where InvestOnBox positions itself: as the layer that turns processes into relationships, and data into decisions.
But the journey does not end here. After digitalization comes the next leap: data-driven personalization, intelligent insights, and AI applied to client relationships. It is the natural evolution of an ecosystem where every interaction generates knowledge and every decision increases value — for both the investor and the asset manager.
In the end, the paradox remains — but with a healthier inversion.
Before, digital created distance. Now, it brings people closer.
Before, technology existed to automate. Now, it exists to humanize asset management.
“People don’t buy banking. They buy better experiences.” — Jim Marous
And that is exactly what InvestOnBox delivers: a modern, seamless, human investment experience — worthy of the ambition of those shaping the future.
