Growth for banking, insurance and wealth, built for regulated markets.
Independent · AI-native · ISO 9001 + ISO 27001
Banking, insurance and wealth are three different growth problems, in a sector where trust, regulation and customer economics shape every decision. AI is fast becoming a new front door to discovery. Wise Pirates runs each as its own playbook, and turns regulated rigor into the reason buyers trust you faster.
What we do for finance, in one minute.
The rest of this page goes deep. If you read only one part, read this: we run three playbooks under one certified engine, so banks win the relationship, insurers win the quote and the renewal, and wealth firms win trust and AUM, all measured to real results.
Win the primary relationship
Acquire → Onboard → Grow
Acquisition, digital onboarding conversion, deposits, lending demand and cross-sell, for retail, commercial and challenger banks.
Win the quote and the renewal
Quote → Bind → Renew
Lead generation, quote-to-bind, retention, claims reputation and broker or bancassurance enablement, across life and non-life.
Win trust and AUM
Attract → Advise → Grow AUM
Authority content, advisor enablement and next-generation acquisition for asset managers, wealth firms and private banks.
In one line: three playbooks, one certified growth engine, for a sector where trust and regulation shape every decision. All we do comes down to one thing, your business results.
Banking, insurance and wealth are three different games. We run each as its own.
This is the heart of how we work. Banking is won on the relationship, insurance on the quote and the renewal, wealth on trust and AUM. Different motions, one shared spine of AI-era discovery, honest measurement and certified data.
Win the relationship
Retail, commercial and challenger banks, where durable value is in the primary relationship, not the click.
- Acquisition and digital onboarding conversion
- Deposit gathering and primary-bank switching
- Mortgage and personal-lending demand
- Cross-sell, retention and lifetime value
- Financial-product GEO and consented first-party data
Win the quote & the renewal
Life and non-life, carriers and brokers, where value is in conversion, renewal and trust under IDD.
- Lead generation and quote-to-bind conversion
- Renewal and retention, the profit engine
- Cross-sell across motor, home, life and health
- Claims-experience reputation and reviews
- Broker, intermediary and bancassurance enablement
Win trust & AUM
Asset managers, wealth firms and private banks, where growth is trust-led and long-cycle.
- HNWI, affluent and next-generation acquisition
- Advisor and relationship-manager enablement
- Authority and thought-leadership content, GEO-critical
- Robo and hybrid-advice funnels, AUM growth
- Wealth-transfer capture, with suitability discipline
And fintech is the bridge: payments, lending, wealthtech, insurtech and embedded finance run on the same three motions, because the whole sector is converging on regulated digital distribution. We grow the incumbents and the challengers, fluent in PSD2, PSD3 and embedded finance.
Three flagships, a fintech bridge, and the players the giants ignore.
We serve tier-one institutions and, deliberately, the mid-market the enterprise consultancies skip: challenger and regional banks, brokers and intermediaries, and independent wealth firms.
Retail, commercial & challenger banks
Retail and SME banking, digital and challenger banks, where acquisition, onboarding and the primary relationship decide growth.
Insurers, brokers & bancassurance
Life and non-life carriers, and the brokers, intermediaries and bancassurance channels that distribute them under IDD.
Asset managers & private banks
Asset and wealth managers, private banks and advisory firms, where trust, authority and advisor enablement grow AUM.
Fintech & embedded finance
Payments, lending, wealthtech, insurtech and embedded finance, the bridge where the whole sector is converging.
Different segments, one growth engine: we flex the playbook to your rules and your channel, from a challenger bank to a private bank.
Independent, AI-native, and built for regulated markets.
Finance is one of the most supervised corners of marketing. We work where the rules are hardest: banking answers to the Banco de Portugal and the ECB, insurance to the ASF and EIOPA, securities to the CMVM and ESMA, and the whole sector to DORA, MiFID II, PSD2 and GDPR. Being certified to ISO 9001 for quality and ISO 27001 for information security is proof of the planning, process and data discipline this demands.
We are not a consultancy that sells a rebuild, and not a performance shop that treats finance as one more industry tag. We are the independent growth partner that runs banking, insurance and wealth as three deliberate playbooks, and reframes regulated rigor as the reason your buyers trust you faster.
Regulated rigor as a growth asset
We market inside the perimeter: financial promotions that are fair, clear and not misleading, suitability and target-market discipline, consented data. Rigor is not a tax here, it is how you win the comparison.
Independent and AI-native
No holding-company conflicts, no core-banking transformation invoice. Measurable acquisition, retention and AUM growth, with AI-era discovery at the centre.
In a low-trust, high-comparison sector, a partner you can trust with your growth and your data is itself an advantage. That is the relationship we build, and answer for.
How people discover financial products is starting to change.
A growing share of people research financial products through AI answers, and finance is held to the strictest quality bar there is. Adoption is still early and trust is cautious, especially in Europe, but the direction is clear. We help you be ready for it, without over-rotating on it.
global banking revenue after risk cost in 2024, one of the most profitable industries on earth.McKinsey, 2025
global financial wealth in 2024, an all-time high, with distribution now deciding who wins.BCG, 2025
global life insurance premiums projected by 2027, the growth engine of insurance.Swiss Re sigma, 2025
of financial institutions say they lost clients to inefficient onboarding of commercial and institutional customers.Fenergo, 2025
Four forces are squeezing financial growth at once.
None of these is going away, and generic agencies tend to trip on all four. We built the practice around them.
Discovery is moving into the AI answer
People ask an AI which account, mortgage or insurer to choose. If you are not the source it cites, you are invisible at the moment of decision, and finance is held to the strictest quality bar there is.
Trust is the whole game
Money is a low-trust, high-anxiety category. Demonstrable rigor, reputation and clarity, not clever creative alone, decide who gets chosen and who gets skipped.
Comparison commoditizes you
Aggregators, rate shopping and switching turn products into a price line. Brand, trust and a better journey are what defend margin against the comparison.
Every promotion is supervised
Financial promotions must be fair, clear and not misleading, carry risk warnings and clear compliance. DORA now pulls your marketing vendors into third-party risk scope, so the wrong stack is a liability.
The money leaks at the account-opening door.
In banking, the highest-ROI growth is rarely more traffic. It is the applications you already win and then lose to a clumsy onboarding flow, and the primary relationship you build after. Fix the door, and every euro of acquisition works harder.
Demand and onboarding conversion
Performance media for accounts, cards and lending, then a frictionless, KYC-aware onboarding flow that turns applications into funded, active customers.
Primary relationship and cross-sell
Deposit gathering, salary and direct-debit switching, and cross-sell into lending, cards, insurance and wealth, where the lifetime value actually sits.
Financial-product GEO
Be the answer an AI gives for the best account, card or mortgage, with content that meets the YMYL bar and the promotion rules.
Beat the comparison, then keep the customer past renewal.
Insurance is episodic, price-transparent and low-loyalty. Aggregators turn cover into a price line, so growth is won at quote-to-bind and defended at renewal, with trust and claims reputation as the moat. And distribution shapes everything: in Portugal bancassurance is around 77% of life premiums (APS/ASF, 2024), while agents and brokers lead non-life, so channel enablement matters as much as direct.
Quote-to-bind that converts
Intent-led media, fast mobile quote journeys and CRO that turn a price check into a bound policy, defended against aggregator commoditization by brand and trust.
Renewal and retention
Lifecycle programs, cross-sell from motor to home to life to health, and claims-experience reputation that make renewal the default, not a re-shop.
Broker and bancassurance enablement
Content, co-marketing and lead routing for agents, intermediaries and bank branches, with product-oversight and demands-and-needs discipline built in.
Claims reputation as growth
Reviews and reputation around the claims moment, the part customers actually judge you on, engineered to feed both search and the AI answer.
Life and non-life are different again. Life and pensions are advice and trust-led and closer to wealth; motor, home and health are volume, comparison and renewal games. We flex the playbook to the line.
Wealth grows on trust, and trust is built, not bought.
For a decade rising markets did the work, but less than a third of AUM growth now comes from existing advisors, and in mature markets only around a fifth. Distribution, brand and the trust of an advisor, not the index, decide who wins. We help wealth and asset-management firms become the partner clients trust, and turn that trust into AUM.
Affluent and next-gen acquisition
Long-cycle, trust-led acquisition of affluent, HNWI and next-generation clients, built on authority rather than volume, with suitability discipline throughout.
Advisor and RM enablement
The scarce growth channel. We arm advisors and relationship managers with content, tools and pipelines that turn their relationships into AUM.
Thought leadership and GEO
Expert, trust-strong content that earns the citation in AI answers on markets, planning and products, the new front door to a wealth relationship.
The great wealth transfer, projected at around $83 trillion by the late 2040s, is an acquisition and retention event: heirs often leave the incumbent advisor. We help you keep the family, and win the next one.
When someone asks an AI where to put their money, are you the answer?
A person asks ChatGPT for the best account, mortgage or insurer, or where to invest. The AI reads a handful of sources it deems trustworthy and returns one answer. Finance is Your Money or Your Life, so the bar is the highest there is, and being ranked is not always enough when many of these searches end with no click. Brands also need to think about how their expertise and authority surface in AI answers.
A corroborated entity
Who you are, confirmed in the knowledge graphs and structured data the models read, so an AI can trust and name you.
Citable, compliant content
Expert, trust-strong answers the models want to quote, engineered to meet the YMYL bar and the financial-promotion rules.
Ecosystem presence
Reviews, references and mentions on the sources an AI draws from, so your brand is in the answer, not just on your own site.
This is our Wise GEO Compass framework applied to finance: we engineer the citable content, the entity and the ecosystem presence that make an AI name you, and we measure your share of the answer against competitors, every month. How your expertise surfaces in AI answers is becoming part of how you are considered.
In finance, rigor is how you move faster and win trust.
Most agencies treat compliance as a tax that slows growth down. We treat it as the operating system that lets growth ship and win at all. Financial promotions must be fair, clear and not misleading, carry risk warnings, and clear compliance sign-off. Content built compliant-by-design clears review with less back-and-forth, reaches the market sooner, and reads as more trustworthy to the buyer.
We build to the rules, and your compliance, legal and risk functions stay the final word. We do not replace them or issue approvals, we make their job faster. ISO 9001 for quality and process, ISO 27001 for information security, and real work delivered in finance and other regulated sectors.
The financial growth engine, part by part.
Everything connects to one outcome: customers, retention and AUM you can measure. We start where the return is fastest and build the rest around it.
Demand that respects the rules
Search, social and programmatic tuned to financial intent, with claims, risk warnings and targeting kept compliant.
Be the answer AI gives
Generative and answer engine optimization so you are cited in AI answers for financial products, within the YMYL bar and the rules.
Authority the models trust
Expert, E-E-A-T-strong content and technical SEO that earns the authority finance search now demands.
From interest to funded customer
Quote journeys, account-opening and onboarding conversion that turn demand into active, funded relationships.
Consented, and open-finance ready
First-party data built on explicit consent, on your own stack, powering retention, cross-sell and lookalikes.
Proof the CFO trusts
Marketing mix modeling and incrementality on your own data, so you know what actually moved customers, premiums and AUM.
The finance growth channel
Reviews, reputation and trust signals engineered as a growth channel, the thing that wins a low-trust comparison.
Trust you can see
Brand and creative that read as credible to a cautious financial buyer and a strict quality rater alike.
Enterprise firepower, sized for challenger banks, brokers and independent firms.
The enterprise consultancies are priced for tier-one institutions and default to build and transformation, with US-first framing. We are built for challenger and regional banks, brokers and intermediaries, and independent wealth and asset-management firms that need results this year, with the senior team and proprietary technology usually reserved for the giants.
Run it, ride beside you, or advise
Engagements sized to your scale and budget, with no holdco overhead. You pay for what moves the needle, not for layers.
The crew, not a training ground
You work with senior people who already understand banking, insurance, wealth and their rules, backed by our proprietary frameworks.
Prove it in the first quarter
We start where the return is fastest, onboarding conversion, AI visibility or the measurement foundation, and show a result before asking for more.
Mid-market finance is underserved by agencies built for the enterprise. We were built for them, on purpose. We work to a mid and long term strategy, without ever ignoring short term results.
Growth also needs automation, security and people ready for it.
In regulated finance, marketing does not win alone. The same senior team brings the operational and technology layers that make growth stick, and that most agencies do not touch.
A lean team that ships like a big one
We automate the repetitive across marketing, servicing and back-office operations, and put governed agents to work, so a small team does far more.
Trust and resilience, non-negotiable
Customer data and connected systems are targets, and DORA now demands operational resilience. We secure the agents and the data, with our ISO 27001 discipline behind it.
The capability stays in your team
The biggest blocker is skills. We get your people using data, AI and the tools safely and fast, so the know-how stays in-house, not rented.
These run on our Process Automation & Agentic AI, Agentic Security and AI Enablement practices, alongside Wise BI Foundry for the data foundation. One partner for the growth engine and the compliant backbone under it.
Where our finance approach is different.
Different partners bring different strengths. Enterprise consultancies bring transformation depth and scale; performance and martech agencies bring channel and activation expertise. We bring growth execution across banking, insurance and wealth, with regulated-market processes built in.
| Capability | Enterprise FS consultancies | Performance & martech horizontals | Wise Pirates |
|---|---|---|---|
| Measurable growth & demand generation | Transformation depth and scale | Strong | Yes, on consented data |
| Banking, insurance & wealth as distinct playbooks | Broad, less split by motion | Channel and activation expertise | Owned |
| Wealth & private-banking growth lane | Listed, rarely a growth focus | Rare | Owned, the clear whitespace |
| GEO / AI-answer visibility for finance | Enterprise-led | Channel-led, less regulatory depth | Owned, with a proprietary framework |
| Certified rigor + EU-named regulators | Held in a separate risk practice | Less regulatory depth | Built in, ISO 9001 + 27001 |
| Proprietary Meta performance tool | None | Off-the-shelf platforms | Our own, not off-the-shelf |
| All of it, as one accountable partner | Transformation depth and scale | Channel and activation expertise | Service + proprietary tech, results-first |
Consultancies bring transformation depth, and the horizontals bring channel expertise. We bring growth execution across banking, insurance and wealth, with regulated-market processes built in. One partner for growth and trust, AI-era discovery, consented data and certified process.
What it looks like when it works.
Two anonymized results we can show, one in banking and one in insurance. Client identities and fuller figures are shared under engagement.
From channel to growth engine
performance
in two years
challengers
- Ran a mixed strategy as their partner, not a vendor: experience and CRO, marketing automation on first-party data, advanced analytics and campaign management.
- More than doubled the impact of digital in just two years, so the bank grew exactly where the fintech challengers were trying to take share.
- Lifted overall digital performance by 42%, measured to the bank's own results, not platform-reported clicks.
The point: digital turned from a channel into a growth engine, and blunted the challenger threat.
Built, proven, handed over
year on year
campaigns
Wise Sidecar
- Through our exclusive Wise Sidecar framework, we helped recruit and train the people, designed the original campaign architecture, and ran a clean handover.
- Supported them across the hard parts: GDPR and Consent Mode, mobile experience, advanced analytics, MMM and GEO.
- Lifted quality score 9% year on year and grew the lifetime value of digital campaigns by more than 60%, with the capability now living in-house.
The point: not a dependency, a capability. We built it, proved it, and handed it over.
Both are from real engagements, shown anonymized, and both run on the same principle: use data to drive every action, market inside the rules, and measure to a result on the client's own terms. Client identities and fuller figures are shared under engagement.
A partner with the range this needs.
Clients rate us on it: in our latest client survey, satisfaction ran 94% good or excellent on readiness and responsiveness, with an NPS above 60. Bold, independent and transparent: no holdco markup games, no black boxes, and a team not afraid to have an opinion. All we do comes down to one thing, your business results, and we bring the best of people, frameworks and proprietary technology to it.
Because growth here lives where marketing meets the rules.
We run three playbooks
Win the relationship, win the quote and renewal, win trust and AUM, one accountable partner rather than three.
We are built for the rules
Compliant promotions, consented data and certified process, so growth ships and wins the comparison instead of putting the brand at risk.
We bring proprietary tech
Wise GEO Compass, BI Foundry, MMM, Sidecar, Wise Horizon and our proprietary Meta performance tool make the difference in the AI-era areas that decide who is seen.
The tools change; the team, the frameworks and the accumulated data stay. That is the partner a regulated financial brand needs for the next decade.
The frameworks that power your financial growth.
The banking, insurance and wealth playbooks run on the rest of what we do, so presence turns into customers, retention and AUM, all measured, with one partner.
Built in the language of finance.
Depth here is not only strategy, it is vocabulary. We operate inside the terms your commercial, distribution, risk and compliance teams use every day, and that fluency is how you earn credibility with a professional financial audience.
Acquisition, retention, distribution, suitability and measurement, in the language your teams already speak, applied to growth across banking, insurance and wealth.
Finance, answered.
What does Wise Pirates do for financial services?
How do banks and insurers get more customers online?
Why run banking, insurance and wealth as separate playbooks?
Do you really work inside financial regulation?
How do you advertise financial services legally in the EU?
Why does AI search and GEO matter so much in finance?
How do you handle data and resilience rules like GDPR and DORA?
We are a mid-market or challenger firm. Are we too small for you?
What parts of finance do you cover?
Do you get brands cited by ChatGPT, Gemini and Perplexity?
Where do the numbers on this page come from?
Grow in the sector where trust wins the comparison.
Whether you are winning the relationship in banking, the quote and the renewal in insurance, or trust and AUM in wealth, let's talk. Tell us your area and where you want to grow, and our senior team will walk you through how we would get you found, get you cited and prove the result, within the rules.
Book a conversation with our team →
