TechRules and ESG: simplifying a complex issue

Integrating the new regulation into state of the art solutions for financial institutions

ESG is the new regulation that stands for Environmental, Social and Governance and at TechRules we are already working on adapting our company to this new law that measures the commitments to ecological sustainability, our community and our corporate governance. This is why ESG parameters are now integrated in our solutions, following the MiFID II standards.

Our complete wealth management solution, Tower, has already integrated this option so in the asset form you can now see the ESG score and also in the portfolio report and the investment proposal. It is expected that new legislative proposals will be approved during 2020, so they will be effective during 2021 and 2022.


Tower will show the sustainability score based on the three factors: environmental, social and governance.  The ESG controversy score measures the company’s exposure to environmental, social and governance controversies and negative impacts reflected in the global media.


View the aggregated impact of investments



The punctuation goes from 0 to 100, meaning that a company that has a score of 50 is considered average relative inside a group of similar businesses. A score of 70 means that the company is doing better than most businesses inside its group and totally the opposite would be a score of 30.


This new regulation comes from the necessity to bring these topics again on top of the main issues companies should be dealing right now. With ESG, businesses get a score based on environmental, social and governance factors, to see how they are performing taking into account all these factors. In a society in which the importance of good practices is enormously increasing, it is very valuable that software providers adapt their platforms to meet the new regulation.


Leading the demand of green investing with transparency for both wealth managers and investors 


Advisers and wealth managers are using these non-financial factors in their daily work, so they can have a more complete view and decide based on other possible risks and growth opportunities. With this regulation, companies are being analysed and their social labour, the way they manage talent or the relationship between employees become issues as important as paying taxes. 


Following MiFID II standards, this integration of ESG parameters with our solutions means that institutional investors and asset managers need to integrate and control all ESG factors in their risk management processes. Transparency is another important issue: companies need to deliver complete and detailed information in all their reports. 


Accompanying Financial Institutions in the review of their investment process, incorporating the new ESG approach and building their offer of Model Portfolios with an ESG bias. 


Through our Model Portfolio Service (MPS), we help our clients to find the best tailored solutions that allow incorporating the impacts of ESG in each of the phases of their investment and portfolio construction process: analysis and selection of ESG asset classes, analysis and choice of representative ESG benchmarks for each asset class, analysis and validation of risk budgets, exposure and ESG score by investor profile, construction of new product ranking models incorporating ESG criteria, backtesting of ESG portfolios and cross checking with traditional non-ESG portfolios, generation of new reports of ESG portfolios, including the new ESG approach.


You can download more information here!

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Jaime Bolívar´s interview: how to keep in business during Covid-19

Our managing director, Jaime Bolívar, has been interviewed and in this ocasion we can see him in a more personal conversation in where he talks about his start in the industry, the challenges and dificult choices he had to take and how the company is coping with this World Wide pandemic.


The online magazine that has had this particular interest on interviewing Jaime has been  an Italian based  media company, This magazine researches different markets looking for new companies but also business with a great baggage like TechRules, to serve as an inspiration for others.


First of all, how are you and your family doing in these COVID-19 times? 

Jaime Bolívar: We are very lucky to have the company in the situation we had before the pandemic. Everyone was able to work from home and stay safe. This was my case, as well. 


Tell us about you, your career, how you founded TechRules.

I am an engineer, and I started this company with my brothers more than 20 years ago. We started creating algorithms that are the bases of what is TechRules today. We are very proud of the company we founded. 


How does TechRules innovate? 

We are constantly checking the industry, what are our customers needing, the new tendencies, new products, and advances, and we discuss it within the team to be the most competitive company in the market and be able to put in place whatever any financial entity would need in the wealth management area.


This video shows another interview in which Jaime talks deeply about the origins, development and what products and services provide TechRules today.

How the coronavirus pandemic affects your business, and how are you coping?

At the beginning, it was a bit hard because we had to move all the employees from the office to teleworking, but we were ready, so the transition was better than expected. The IT department performed incredibly well, and within a few days, we had everyone connected from their homes. We managed to keep the same level of productivity (or even more) we had before the pandemic. No incidents with our customers’ platforms in place either, so better than expected in general.


Did you have to make difficult choices, and what are the lessons learned?

Our goal is to maintain all the TechRules family complete and together for the upcoming years, serving our customers with the best service possible in place, as we always did. In this sense, we have a senior team that is focused already in 2021 to keep going ahead of the market and settle all strategies. 


How do you deal with stress and anxiety?

I do a lot of sport. There is nothing better than a nice run in the park with my dog when I feel stressed. Stress is something that I don’t suffer quite a lot. I love my job, and after so many years, you face problems with more perspective. 


Who are your competitors? And how do you plan to stay in the game?

We have a lot of competitors in the market, and they are growing every day. In TechRules, we will continue doing what we do, which basically is working together as a team, generating great solutions for our customers, and partnering with key institutions and people to work with and learn from. Good delivery is our main goal. 

Innovation is also something we have always invested in. It is our main guarantee of success.


Your final thoughts?

This year definitely has changed the way we live and work but staying on top of the wave is the key to moving forward and keep growing. We learned and supported employees and customers to do their best, and this is our key. Let’s keep focusing on our vision!

TechRules crowned “Best CRM System” at the WealthBriefing Swiss Awards 2021

We are proud to announce that we have won this prestigious award that recognizes our team as the  creators of the best CRM system for the wealth management industry.


This is the eighth edition of this kind of programme that honours the industry figures and firms that have demonstrated an excellent performance in this past 2020. Despite the external factors that have made a huge impact on almost every company in the world, our team has managed to keep innovating and improving all our solutions, offering the best service to its clients. 


Our CRM System has been highlighted in this award thanks to its renewed features. Thanks to this system,  wealth managers can get a 360 view of the customer’s personal, financial and wealth information and prioritise all commercial activities to put forward proposals. This is definitively something that allows advisers to proactively anticipate customer needs. Client monitoring, touch points to measure all the commercial data and its integrations with a great amount of modules are some of the features that have made the judges decide to give TechRules this recognition. 


TechRules´CEO, Jaime Bolivar, is clearly proud of his team: “I am glad that we have accomplished most of our 2020 goals and we have been awarded for it. But it is essential to keep improving, to be aware of the innovations in this fast-change sector and work to get the best service to our clients”.



– Client dashboards containing a 360º view of all the financial data of a customer

– Touchpoints to measure all the commercial activity

– Client Alerts to record prioritised activities in the advisor’s calendar

– Schedule management based on prioritizing tasks, alerts, and touchpoints

– Individual management and advice for each customer and portfolio

– Scheduling the automatic delivery of information to customers 

– Client Monitoring to track and adjust all the client data

– Integrated with the Risk Profile Questionnaire module

– Integrated with the Proposal Investments and Financial Planning moduleIntegrated with the Portfolio Management 

– Integrated with the backend of a entity to generate onboarding related alerts and status updates from Tower CRM (alerts, calculations) to a bank’s CRM system

– Integrated with third party CRM system (Salesforce integration available)

– The Marketing campaigns module is already in the pipeline and will be available soon.



TechRules has a financial CRM that manages all customer related information within Tower, its wealth management integral solution. The aim is not to compete with more generalists but to integrate it via API to send and receive information. This module is API ready. 


More info? Contact us on


TechRules at the 2nd edition of the Nordics Digital Transformation in Banking Summit

We are glad to announce that our director Jaime Bolívar has been one of the 18 leading speakers in this unique event in Europe, in which the digital transformation is going to be the main character. Digital transformation has emerged as one of the most topical subjects in the banking sector and that is something we have been working on for many years in TechRules. We invite you to join Jaime´s speech in which he is going to talk about expanding digital services in wealth management by focusing on communicating effectively with customers, something key in the new post Covid era.


5 Post Covid keys to the future of the financial sector

We are facing turbulent times with loads of economic and social changes thanks to the biggest pandemic in modern history. The global financial sector is rapidly moving, adapting itself to the new order. The use of new technologies to maintain and reinforce relationships with clients in a world where human contact is being reduced is key to ensure survival in the industry.


1. Digitalization

The pandemic has accelerated the digital transformation of the financial sector from a moderate need to an urgent reality. As a result, all digital and online processes have evolved with tools that help with direct, simple and efficient communication. Today we have a very different situation than the one we had two decades ago, so it is necessary to readapt companies to this new reality and take advantage of new technologies that allow us to continue doing business. The financial industry has invested a lot in digitalization in the past few years, using new software and tools that have helped generate more efficient, transparent and useful communication between businesses and their customers. Something that has been essential to this is customer’s past resistance to new technologies has now gone, which has enabled more user-friendly tech being created.


2. Growing competition


As a result of this sudden and rapid change in global commerce, big firms are “putting all their meat on the grill” to keep their status in the market. New technologies are helping small businesses grow too, and larger ones are investing in new solutions with the objective of delivering a unique brand value while also making them more competitive. Services are becoming more customizable for final clients and adapting to new ways of communication is key. From TechRules we have witnessed how hard and stressful the pandemic has been for big companies and have worked to overcome the barriers that have been imposed during the global lockdowns.


3. Risk efficient management


In the past, securing investment and avoiding risk was something of utmost importance for advisors, and this is certainly the case now more than ever. In times of uncertainty, it is essential to move money in the most secure and professional way possible. The demand for new algorithms that can predict market fluctuations has made companies like ours, to continue developing new APIs that can help both advisors and customers manage their wealth while making the best decisions possible.


4. Normative compliance


The collection of customer data has become key to offering more personalized solutions while at the same time helping generate new quality leads. However, data protection laws are becoming stricter and companies must perfectly control the way in which they move and share their customers’ data. Systems that capture and integrate all customer information in one place are more efficient than those systems in which data is repeated, redundant and causes confusion. Customer data is the most precious asset for investors and entities, so the challenge here is to improve those technologies which help manage and monitor customer assets.


5. Increasing brand value and optimizing user experience


While an increase in market rates is to be expected, companies will have to justify this increase by improving both their brand image and user experience. Identifying with the values of the firm is increasingly becoming more important for the client, so this is something companies need to focus on in order to attract new clients. In this new world economic scenario, a focus towards sustainability and the humanization of companies are the key things to stand out at a time when competitiveness is increasingly high.

Disrupting Wealth Management Services with Analytics and AI

TechRules launches this webinar in which we talk about the new way of managing the Fintech digital world with new solutions based and centered on customers in the area of Wealth Management.

Managing Director of TechRules, Jaime Bolívar, Business Development & Marketing Director, Begoña Rubio and Sales Manager Javier Carrallo, also discuss the role of analytics in the customers personalized experience, and how artificial intelligence and the new combination of science and human based advisory models are emerging.


TechRules in the new covid era: helping companies achieve their goals

While adapting its own team to the new challenges imposed by the pandemic, TechRules has been key in the improvement of innovative digital tools that have been helping companies like santalucía to interact with their clients in the most effective way.


The Media and IT director of  santalucía Asset Management,  Damián Fraire, has talked about how they have been ahead of the pandemic, working in solving  new customer needs with specific innovations that will impulse talent in the new scenario.


In terms of the future of the wealth management Freire talked about how the Covid has affected the industry and how santalucía was already facing this new challenges: “ the wealth management industry has to address those problems the pandemic has exposed, and santalucía Asset Management was already born as a 100% digital manager,  having a digital relationship with our saving agents and what is more important, with our direct customers through our digital platform. This digital interaction has allowed us to communicate with intern and extern clients in an agile and proactive way, making this a key feature in the situation we had been living. Our technological adaptation also allowed us to have a complete team teleworking in a short period of time.


The main digital advantage for santalucia´s customers is that they are the centre of their strategy. This is why they have an onboarding solution (digital registration) for customers based on Cloud (contract management, online documentation, KYC (know your customer), MIFID profiling, etc) and they offer a digital version of their products and services, with an electronic signature advanced process, and all the protection and security mechanisms that keep all the client´s information safe.


As other digital projects to highlight in with TechRules has been closely working with this financial entity we have the actual personalized relationship digital model and new Cloud solutions for developing a wide range of “front to back” activities. For the post Covid era, Freire says they are making an strategic review to identify which economic and social changes are coming and be ready to fulfil the digital needs. The main pillars are focused on supporting customers on their digital transition, creating new tools and apps that will empower them and constructing new ways for managing documentation and contracts.


Artificial Intelligence, Machine Learning, Big Data or Blockchain are some of the tools companies like this are using to achieve their new goals, and TechRules has years of experience helping enterprises to be every day more efficient on their communication with clients, helping them and their agents to take the best investment decisions.  This company is always working in a continuous improvement process, and their vision is centred on seeking and generating cases that allow them to accelerate the implementation of this new helpful technologies. It is very important to give managers and saving agents artificial intelligent tools to identify systematic biases in investment decisions, use Blockchain to optimize fond distribution and enforce our cyber security using new algorithms to analyse and detect fraudulent activity.

Get ahead of the market with our new market sentiment tool

Market sentiment is usually a blurred expression, because it appeals subjective appreciations about investors and markets and non-defined explanations about their actions. Everything that is weird is linked to “market sentiment”. However, market sentiment exists and it can be analysed in a useful way for investment strategies. Artificial Intelligence and computing tools, as Natural Language Processing and Machine Learning help us measure it and get interpretations to take decisions based on unbiased data.


Is it only a solution for professionals? No, T-Advisor has added a new feature in the interface to offer market sentiment data. How does it work? We have developed our own algorithm that reads all texts from Twitter and Google News related to listed companies in a market. Then, it measures the positive, neutral or negative meaning associated to those texts and words and the companies and translates into points from 0 to 10. Every T-Advisor user can see a ranking with the top-5 expressions and words for each company.


At the end, the algorithm produces a sentiment score. Our platform provides a chart where each company appears in a place depending their combination between sentiment score and the T-Advisor score. Both figures are compared, one related to subjective sentiment and one based on quantitative analysis. So, investors can watch at a glance all companies: the better companies are the ones with higher T-Advisor score and sentiment score, that means, on the upper right side of the chart.





This historical chart shows the evolution of the market sentiment through Natural Language Processing against the price of the asset. As it is easy to perceive, market sentiment is an advanced indicator of the price.




Currently, the solution is working only in English for listed companies in Nasdaq and FTSE, but it will be progressively applied for more international markets and other languages. Additionally, every top-5 market sentiment expressions about a company is linked to its own T-Report. This is just a tasty bite about what T-Advisor offers their users to take the best investment decisions with top information from the cutting-edge technology for finances.


Many could wonder if this market sentiment feature is useful for their investment strategies. Of course, it is! Because what is spoken or published about a company may predict future trends and anticipate to markets. This kind of information was available only in expensive and exclusive delivery reports. Technology has contributed to democratise access to this data and offer the same opportunities for small investors to maximise their returns.


T-Advisor has done it again!