How AI and Automation Are Reshaping Wealth Management

Wealth management firms can unlock new insights and greater efficiency by embracing the power of automation and AI tools

The wealth management industry has undergone a significant transformation in recent years, driven by changing client expectations and powered by advancements in AI and automation. These technologies are not only streamlining operations but also enhancing client interactions and democratising financial advice, revolutionising the financial sector and an AI-enabled future for the financial services industry.

Wealth management firms are expected to fully embrace knowledge work automation platforms that enhance client information management and regulatory compliance by automating back-office processes such as document management and data analysis. This shift will enable wealth managers to focus more on high-touch client interactions and advisory strategy development, significantly reducing the manual workload that currently hinders service and productivity. By enhancing operational workflows, wealth management firms can offer clients more timely and personalised advice while improving cost efficiency across their operations. This means clients will receive better service and more tailored financial guidance, ultimately leading to improved financial outcomes.

One key area where automation will make a significant impact is document management. Wealth management involves handling a vast amount of content, from client records to compliance documents. Automating processes like document classification or regulatory compliance will reduce the time wealth managers spend on non-advisory work, allowing them to dedicate more time to fulfilling clients’ needs. Increasingly, these improvements show up right where advisors work. For example, relevant client information can be surfaced directly within Microsoft Outlook while an email is being drafted, helping advisors stay focused on the client conversation.

Data analysis is another critical aspect of wealth management that will benefit from automation. By leveraging AI-powered tools, wealth managers can analyse large datasets to identify trends, assess risks and make informed decisions. This capability will enable firms to provide clients with more tailored and timely advice, enhancing their overall experience and supporting compliance requirements.

Wealth management firms are also increasingly relying on AI to not just react to client needs but also predict them. By analysing past behaviours, market trends and financial goals, AI enables wealth managers to offer proactive advice on investment opportunities, portfolio adjustments and risk mitigation strategies. This predictive capability empowers advisors to anticipate market changes and advise clients on actions before those shifts occur. As a result, clients can make more informed decisions, potentially increasing their investment returns and enabling them to achieve their financial goals more effectively.

In addition, AI and automation are making wealth management services more accessible to a broader audience. Traditionally, personalised financial advice was reserved for high-net-worth individuals due to the high costs associated with human advisors. However, AI-driven platforms can provide personalised advice at a fraction of the cost, making these services available to a wider range of clients.

Self-service capabilities are another area where AI is making a significant impact. Clients can now access their financial information, perform transactions and receive advice through user-friendly digital platforms. This level of accessibility empowers clients to take control of their financial futures and make informed decisions without the need for constant advisor intervention. AI enhances client engagement and customer interactions, and supports embedded finance solutions that integrate financial services into digital ecosystems.

However, to see these benefits, firms must follow a careful, rigorous process when implementing AI and automation technologies. After the approval of the European Union’s AI act – which requires regular incident reporting and testing of ‘high-risk’ models – it is crucial for AI solutions to be provably safe and reliable.

This level of precision can only be achieved by building on a foundation of accurate and well-structured data. Companies should therefore start their AI journey by organising data across all of their operations, providing a reliable source of information for a generative AI tool to use. In doing so, they will be protecting their customers while also delivering vital work automation that will increase efficiency and streamline processes for employees.

As AI continues to evolve, it will play an increasingly important role in helping wealth management firms deliver superior service and achieve better financial outcomes for their clients. Embracing AI and automation is not just a trend but a necessity for firms looking to stay competitive in the rapidly changing financial landscape.

Source: https://www.m-files.com/blog/articles/how-ai-is-transforming-wealth-management/

Workflow Automation Explained

Beyond simple storage, a Document Management System (DMS) can actively manage documents through automation and intelligent features that improve consistency and reduce manual work.

How Workflow Automation Streamlines Document Processes

A Document Management System is more than a place to store files. It can actively manage your documents by automating workflows, reducing manual steps, and helping your team stay consistent and efficient.

This article explains how DMS workflow automation works and highlights key advanced features like version control, change tracking, approvals, and customization.

How does workflow automation within a DMS work?

Workflow automation in a DMS automatically routes documents through predefined steps like review, approval, and archiving. Instead of relying on email chains or manual handoffs, the system moves files to the right person at the right time.

For example, when someone uploads a contract, the DMS can notify the legal team, route it to a manager for approval, and then store the signed version with proper tags. The process is consistent every time and requires minimal oversight.

Automation also helps ensure compliance, prevent delays, and reduce human error by keeping work flowing smoothly and predictably.

Solutions like M-Files allow teams to configure these workflows visually, making it easier to adapt processes without custom development.

How do version control features in a DMS help prevent errors?

Version control in a DMS prevents errors by automatically tracking changes and keeping a full history of document edits. Users can see who made what changes and when, and if needed, roll back to a previous version.

This avoids problems like overwriting someone’s work, editing the wrong file, or sending outdated documents. Instead of guessing which file is current, teams work from one source of truth—clearly labeled, timestamped, and secure.

In platforms such as M-Files, version history is managed in the background, giving users confidence that no detail is ever lost.

Can I track document edits and changes using a DMS?

Yes, most DMS platforms include detailed change tracking. You can view document histories, compare versions, and audit who made each change.

This feature supports accountability, simplifies reviews, and provides a digital paper trail for compliance and quality assurance. Whether you are managing internal drafts or regulated documentation, edit tracking helps teams stay aligned and transparent.

Does a DMS support e-signatures and digital approvals?

Most modern DMS solutions support e-signatures and digital approvals. This allows users to sign or approve documents securely without printing or scanning.

Signatures are often timestamped, linked to the user’s credentials, and logged in the system for audit purposes. Approvals can be tied into automated workflows, triggering the next step in a process such as notifying a stakeholder, updating a file’s status, or archiving the document.

This speeds up processes like contract signoff, invoice approvals, and compliance documentation while reducing paper usage.

Some systems, including M-Files, support native e-signature tools and integrations with leading signature providers.

How does automated routing in a DMS enhance workflow efficiency?

Automated routing improves efficiency by eliminating manual steps in document handling. The system sends files to the next person or stage based on defined rules, such as document type, department, or status.

For example, a purchase request can automatically move from the employee to the manager to the finance team without anyone needing to email or assign the task manually. Alerts and reminders keep the process on track, reducing delays and bottlenecks.

This kind of automation helps businesses respond faster, reduce turnaround times, and standardize processes across teams.

Solutions like M-Files support these automations with rule-based routing and real-time notifications built into the platform.

Can I customize a DMS to match my organization’s workflow?

Yes, most DMS platforms offer workflow customization. You can design processes that reflect how your teams actually work, with custom steps, conditions, notifications, and document types.

This means you’re not forced to change your process to fit the tool—the tool adapts to your needs. Whether you’re managing employee onboarding, client contracts, compliance reviews, or design approvals, a customized workflow keeps everything consistent and trackable.

Customization also helps with adoption. When users see a system that mirrors their existing process but eliminates the busywork, they are more likely to use it.

M-Files enables customization through a low-code interface, allowing teams to build and adjust workflows without needing IT intervention.

Why workflow automation is a game-changer

Workflow automation is one of the most powerful capabilities of a modern DMS. It helps teams eliminate repetitive tasks, reduce errors, and move work forward faster. Combined with features like version control, edit tracking, digital approvals, and custom workflows, a DMS becomes more than storage; it becomes an engine for smarter, smoother operations.

If your current process is slow, manual, or inconsistent, these advanced features can create real value across departments and roles.

Tools like M-Files make it easier to embed automation into everyday document tasks, helping businesses work faster while maintaining structure and control.

Source: https://www.m-files.com/blog/articles/workflow-automation-dms-benefits-explained/

Knowledge Work Automation – Reshaping the Future of Work

Remote and Hybrid Work

The pandemic drove numerous organizations to shift to remote work, a trend that is likely to persist. By adopting flexible work arrangements, companies can attract and retain top talent, boost employee satisfaction, and increase productivity. Hybrid work models, where employees divide their time between the office and remote locations, provide a balanced solution that accommodates diverse preferences and needs.

Digital Transformation

Digital transformation involves integrating new technologies across all facets of an organization, from operations to customer interactions. This integration boosts efficiency, security, and collaboration. For instance, AI and machine learning can automate routine tasks, freeing employees to focus on more strategic initiatives. Companies that successfully navigate digital transformation will be better positioned to respond to market changes and capitalize on new opportunities.

AI and Knowledge Work Automation

Artificial intelligence is set to revolutionize the workplace by empowering knowledge work automation. AI can manage tasks such as data analysis, customer service, and even creative processes, allowing knowledge workers to focus on high-value activities. This shift not only increases productivity but also improves job satisfaction by alleviating the burden of mundane tasks.

Enhanced Communication and Collaboration Tools

The rise of remote work has led to the creation of advanced communication and collaboration tools. Platforms like Miro and MURAL facilitate real-time collaboration, even when team members are in different time zones. These tools are essential for sustaining productivity and driving innovation in a distributed workforce.

Leadership and Adaptability

Successful leaders must be adaptable, adopting new technologies and work models to remain competitive. Organizations that embrace remote and hybrid work, invest in employee well-being, and prioritize continuous learning will thrive in the changing environment. Leaders who anticipate and respond to changes in the workplace will attract and retain top talent, driving long-term success.

Conclusion

The future of work is dynamic and ever-changing. Organizations that embrace digital transformation, leverage AI, and adopt flexible work models will be well-equipped to navigate the challenges and opportunities ahead. By fostering a culture of adaptability and continuous improvement, businesses can ensure they remain competitive and resilient in the face of ongoing technological advancements.

Source: https://www.m-files.com/blog/articles/the-future-of-work-embracing-digital-transformation/

How to Safely Incorporate AI into Your Tech Stack

Three Ways To Use M-Files’ Aino For Accounting

Accounting firms are facing new data security challenges from platforms like ChatGPT, Google Gemini, and Microsoft Copilot. Some knowledge workers are sharing client data with public GenAI platforms despite firm instruction. They use these platforms for a wide range of tasks such as accounting research, reviewing workpapers, client communications, and more.

Firms need to identify how to incorporate AI into their tech stack safely and securely. The best path forward is to provide their staff with firm-approved resources.

In this blog, we will explore how accountants can use Aino in their daily work with examples directly from the system.

Gain Time With AI-Powered Accounting

As someone that has previously worked in public accounting, I am familiar with juggling hundreds of documents across multiple clients and deadlines all within a couple of months. Reviewing these documents to familiarize myself with the client’s unique approach and understanding if this is even what I asked for was a regular occurrence. We were always looking for a better way!

Powered by M-Files generative artificial intelligence (AI) technology, Aino takes knowledge work to the next level by placing your firm’s information base at your fingertips. M-Files Aino organizes information, understands the context of documents, and allows users to interact with their content easily. Aino saves users time through automating necessary administrative tasks such as content summarization, accounting research, data entry and more!

Aino’s natural language model makes it simple for users to interact with their content and the platform.

The Natural Language Processing (NLP) Advantage

NLP techniques allow computers to understand human language. They bridge the gap between what humans speak and write and what computers can process. According to Gartner, “NLP provides intuitive forms of communication between humans and systems. NLP includes computational linguistic techniques (symbolic and subsymbolic) aimed at recognizing, parsing, interpreting, automatically tagging, translating, and generating (or summarizing) natural languages.”*

M-Files Aino is an example of how human users can interact with NLP technology. Aino has the capability to translate and generate text based on from partners to staff. Additionally, Aino can tag documents with metadata generated by Aino.

Aino Saves Time

According to the Work Trend Index Annual Report, 70% of people would delegate work to AI to lessen their workloads. Business leaders are twice as likely to say AI will provide value by boosting productivity versus cutting headcounts.

In the next section, we will focus on the following types of documents accountants frequently work on or receive from clients:

  • Engagement Letters/ Contracts
  • Leases
  • Client Provided Support

Confirming Completeness

When it comes to engagement letters and contracts, first accountants will identify if it is fully executed by the authorized signers. Secondly, they will ensure the time period and fees for covered services are stated correctly. Aino can quickly identify who signed your document and when. It can also identify the total cost for the engagement.

In the below example, we query Aino with three prompts. The provided answers will save us time reviewing each page manually.

Query: Who is the signor on this document?

Aino: Kyle Gillette

Query: When was this engagement letter executed?

Aino: 04/01/24

Query: How much do the services cost?

Aino: $50,000

Confirming Completeness-Aino screenshot

To confirm this understanding, users can review the document either through the “preview” tab or opening the document. Users can verify that the Aino responses match the content of the document. Once they know what they are looking for, they can do this quickly.

Summarizing Content

Clients will often provide leases that are dozens of pages long. They may also be in a different language depending on the location of the leased item or asset. This increases the time the accountant needs to spend reviewing the document; to find the information they are looking for to support their findings.

With M-Files Aino, you can request a summary of the document in your language. This will allow accountants to understand if they have the correct documentation that aligns with their request. Secondly, they can ask Aino about rent cost, rent escalations, the lessor and lessee, and more. Once the accountant understands what they are looking for they can easily open the document and confirm Aino provided the correct information.

In the below example, we ask Aino more than one question at a time. Aino responds to each question accordingly.

Query: Who are the lessor and lessee in this lease?

Aino: Lessor: Real Estate Inc. Lessee: Acme

Query: How much does year 1 rent cost?

Aino: Year 1 rent cost: $60,000.00

Query: How much does rent increase annually between year 1 and year 2?

Aino: Rent increase annually between year 1 and year 2: $10,000.00

Query: Are there any other rent escalations in this lease?

Aino: There are other rent escalations in this lease, with the rent increasing by $10,000.00 annually.
Summarizing Content-Aino screenshot

Managing Client Provided Support

Clients provide data sets in various formats such as Microsoft Excel and PDF. To save accountants time formatting these documents, they can ask Aino specific questions about client schedules or listings. In the example below, we ask Aino to calculate the total expenses across multiple transactions.

Query: What are the total advertising expenses?

Aino: $125,000

Query: What period does this schedule cover?

Aino: For the year ended 12/31/23.

After reviewing the expense schedule, we can see that $125,000 out of $228,000 in total marketing expenses were attributed to advertising expenses for the period ended on 12/31/23.
Managing Client Provided Support-Aino screenshot

FAQ

Q: Our firm manages a lot of sensitive information. How does M-Files Aino ensure the security and confidentiality of my client’s information?

A: Aino follows the security and access rights already established in your M-Files vault. Users will only be able to query or prompt documents they have access to. Unlike public GenAI platforms, information and queries stored in M-Files remain within the firm’s security environment overall reducing risk of security breach.

Q: M-Files Aino utilizes Natural Language Processing (NLP). Is there a learning curve for using this technology effectively?

M-Files Aino can be used right away as M-Files platform uses metadata and Optical character recognition (OCR) technology to understand the content in the document. The database from which Aino summarizes or provides information already exists in your vault. Due to M-Files‘ ability to maintain a single-source-of-truth and organize documents based on what they are not where they are stored, Aino can easily and quickly get to work assisting its users.

*Sourcehttps://www.gartner.com/en/topics/artificial-intelligence#q6

BIO:

Courtney Kunzig, CPA Industry Solutions Manager, Accounting M-Files

Courtney Kunzig, a seasoned accountant with diverse experience spanning various roles and industries, currently serves as the Industry Solutions Manager for Accounting at M-Files. Her expertise lies in leveraging technology to enhance employee experiences, streamline manual processes, and optimize time management within the accounting domain.

Thought Leadership and Appearances

Published Articles:

Courtney Kunzig’s thought leadership and contributions underscore her commitment to advancing the field of accounting through technology-driven solutions. Her expertise resonates with professionals seeking to optimize workflows, ensure compliance, and elevate client experiences.

Source: https://www.m-files.com/blog/articles/how-to-safely-and-securely-incorporate-ai-into-your-tech-stack/