Advice in Focus

Digital strength

During the 2025 financial year, Deutsche Vermögensberatung (DVAG) continued to drive forward the digitalisation of its sales and operational processes. The aim is to support financial advisors in their day-to-day work with suitable digital tools, to make processes more efficient and to develop them further in a meaningful way through the targeted use of artificial intelligence.

This laid a strong foundation in 2025 to sustainably support growth in the areas of clients and partners, whilst further securing the organisation’s efficiency and future viability. In doing so, DVAG is following a clear approach: digital technologies and artificial intelligence serve as support. People remain at the heart of everything we do: responsibility for providing financial advice and making decisions remains with the financial advisors.

IT ensures stability and development

As the use of digital solutions increases, so do the demands on the security, availability and stability of IT systems. A high-performance IT infrastructure thus forms the reliable foundation upon which sustainable business success is built. With this in mind, DVAG is setting its course for the future. By investing in its technical infrastructure, the company is creating a stable foundation to continue growing and confidently meet new challenges.

Central platforms and proven systems

At the heart of the digital financial advisory and application processes is the Salesforce CRM system, the interface between the financial advisor and the client. Following its successful launch at the end of 2024, the platform was expanded as a campaign tool. At the same time, preparations were made to use Salesforce in the future as a key tool to support comprehensive client care and to replace the current system in 2026.

By using the CRM system from the global market leader, the conditions are also in place to benefit from future developments in the field of artificial intelligence at an early stage. The approach adopted – deploying bespoke in-house developments where they offer genuine added value, and utilising tried-and-tested solutions from global market leaders for processes that do not differentiate the company in the market – also proved effective in 2025 in the area of office communication.

The tools from the Microsoft Office 365 portfolio, which have been in use for years, have been effectively supplemented by the addition of Microsoft Copilot. In addition to offering numerous benefits by partially automating client communications, this AI-based tool also enables every financial advisor to streamline organisational processes more efficiently with the help of AI-based agents. All of this is aimed at relieving the advisor of organisational and repetitive tasks.

Further development of digital application processes

In parallel with the expansion of IT and AI solutions, the digital application and policy conclusion process has been further developed. For client advisory services, in-house developed web applications are used, which are specifically tailored to the requirements of the sales team. Over the past twelve months, the digital application process for cross-product-partner pricing, quotation generation and policy conclusion has been extensively expanded. On the one hand, the expansion included broadening the range of products available through this channel to include insurance, banking, investment products and precious metals. On the other hand, the policy conclusion process has been significantly simplified for both clients and advisors. For example, the number of signatures required to finalise a contract has been reduced by up to 90 per cent. Checking the validity of data as it is entered, along with assessments by product partners based on this data, reduces the likelihood of subsequent queries and thus speed up the entire process from quotation to contract.

This benefits clients, financial advisors and product partners alike. A new client portal has been introduced as the central digital interface between clients and advisors. Unlike the previous client app, the portal can be used on both mobile and desktop devices. In addition to providing a clear overview of current contracts, clients also receive a summary of recent consultations in their portal, as well as the option to sign applications in a secure environment at any time. Processes have also been significantly simplified and digitised in the area of business development. Digital, therefore paperless, solutions are now used in almost 100 per cent of cases, both for the recruitment and promotion of new partners. Further processing at head office is also carried out entirely digitally, without any manual intermediate steps.

Using AI responsibly

As part of its pilot projects, DVAG is also using AI solutions based on modern language models, including those from the OpenAI ecosystem. These applications are used exclusively in environments that comply with data protection regulations and are secure. The focus here is on internal processes as well as on supporting communication and information applications. The aim is to make knowledge available more quickly and thus support financial advisors in their daily work.

Smart support for the financial advisory process

At DVAG, artificial intelligence is used particularly in areas where it noticeably reduces the workload, takes over routine tasks and simplifies processes. AI-supported functions are already being used today to prepare for and follow up on financial advisory meetings. These applications assist, for example, with structuring information, documentation and administrative tasks. This creates space for what really matters in the financial advisory business: more time for personal financial advice and direct interaction with clients.

Business report 2025

Further topics

People at the heart of everything we do

Future-oriented financial advice

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Meeting the demands of tomorrow

DVAG on a growth trajectory

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Sharing knowledge, creating opportunities

A career with a future

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