White-label · Embedded in your bank1st place · LHoFT NxtGen

AI-powered
proactive engagement
inside retail banks.

Anchor detects confirmed life events inside the bank's own account data, guides the customer through what the event means for their money, and alerts the relationship manager - without any client data leaving the bank.

Request early access How it works

The problem

Banks lose customers at life's most financially significant moments.

The data needed to see these moments already sits inside the bank. It is not used.

86%

heard nothing from their bank about tax or benefits

After a life event the bank could see in their own accounts.

94%

would value clear tax and benefit guidance

The demand is not in question. The conversation simply is not happening.

11%

asked their bank for it

They searched online, asked friends and family, or used Guichet.lu instead.

Anchor Luxembourg survey, July 2026 (n=35). 83% Luxembourg residents, 14% cross-border workers, 86% aged 25-44.

The shift

Reactive banking → proactive engagement.

Yesterday

Tools record transactions. Relationship teams chase signals manually. Most life events are noticed only after a customer has already moved.

With Anchor

We act on confirmed events already present in the bank's data - not on inferred intent - and deliver guided, jurisdiction-specific journeys automatically, inside the bank's product and under the bank's brand.

The solution

Three layers, one embedded product.

Confirmed life-event detection

Deterministic and auditable by design. We act on confirmed events already present in the bank's data - home purchase, job change, marriage, birth, inheritance - not a probabilistic guess inferred from spending patterns. Two ways in: automatic detection, or the client self-declaring an event that is coming.

Guidance engine

A jurisdiction-specific knowledge base of tax rules and government benefits, alongside the relevant products from the bank's own catalogue. Every figure is sourced and auditable.

Runs inside the bank

Deployed on-premise or in a bank-controlled EU cloud. Client data never leaves it - the single design decision that most affects whether a regulated institution can say yes. Zero customer behaviour change, under the bank's brand.

Wealth management

The same signals. A sharper conversation.

For private banking and wealth management, life events aren't just engagement opportunities, they're the moments clients are most likely to leave. Anchor turns the same detection engine into a relationship manager's early warning system.

RM-facing alerts

Surfaces life event signals (property purchase, inheritance, business sale, relocation) directly inside the relationship manager's existing workflow, not a separate tool.

Risk and opportunity flags

Each alert comes with contextual flags: tax implications, liquidity needs, estate planning gaps, diversification risk. The RM knows what to raise, not just that something changed.

Talking points, not just data

Suggested conversation openers the RM can act on immediately, delivered through the bank's own client messaging channel so the client experience stays seamless.

€756bn

AuM across 42 Luxembourg private banks

Growing 14% year-on-year, with 72% cross-border clients - the segment where a mishandled life event costs the most.

€27bn

Net new money in 2024

Into Luxembourg private banks - a 92% jump year-on-year.

1M+

Cross-border workers bank here

Dual-jurisdiction tax, succession across two legal systems, benefits that depend on which side of a border an event happens. No competitor addresses them.

Embeds into existing RM tools and portfolio dashboards. No rip and replace required. Private-banking figures: KPMG Luxembourg Private Banking Survey 2025.

Market