The intelligence layer on top of your financial data

Pre-computed insights, benchmarked against real peers across investments, pension, loans and insurance — so you can show every customer where they stand and what it's costing them. The maths is done; you build the experience, the recommendations and the actions based on your own products and offering.

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The financial data shows what they have. Intelligence shows what it means.

It starts with the core data

Insurely's core product brings a consumer's financial life — accounts, holdings and policies across insurance, pension, investments and loans — into one structured, live picture, with their consent. It's a premium product in its own right, and the foundation everything else builds on.

Insights is the intelligence on top

Insights turns that picture into answers. Peer benchmarks, statistical scoring and forward-looking projections — computed per user from the collected data — so every number arrives with the context that tells the customer where they stand. It places each figure against real people like them, quantifies what a gap is worth, and flags what's worth acting on. It doesn't replace the collection layer; it makes it speak.

You build the customer offer

We provide the data and the numbers. You own the personalisation, recommendations and the experience, based on your product portfolio and strategy.

See the difference on one overview

With Insurely's core data

Everything in one place, for the first time: 545,000 SEK across three providers, live and accurate. A pension worth 431,000 SEK with a 1,011 SEK annual fee. An ISK of 114,000 SEK with 34% in a single fund. A true, current snapshot of where the customer stands.

With insights added

The same overview, now self-explaining. That 1,011 SEK fee is among the most expensive 15%; comparable savers pay around 650, a gap worth roughly 18,200 SEK over 20 years. That 34% in one fund is more concentrated than most comparable investors. And it rolls up into one financial-health score of 58/100, with the highest-impact move flagged.

At a glance

The insights are the intelligence layer of peer benchmarks, fee comparisons, opportunity scores and projections computed on top of Insurely's core open finance product, built for European banks, insurers, pension providers and fintechs.

The core product collects consumer-consented financial data from providers across Europe and returns it structured and live; Intelligence turns that data into answers. It covers four verticals, investments, pension, loans and insurance, plus cross-vertical signals such as a financial-health score.

Each signal is independently usable, so platforms can adopt one, a few, or the full catalogue, via an API, scoped to the individual consumer.

The benchmarks are built on real market data: what consumers actually hold and pay across providers, not list prices. You build the recommendations, the actions and the experience on top.

What it is. What it’s not.

The insights are the intelligence layer that enriches the financial data accessed through Insurely with context, comparisons, scoring and insights — helping products and AI agents understand not just the data itself, but what you can do with it.

It is not a data collection product, a user interface, or a recommendations engine that talks directly to your end users. Insurely ships the intelligence — the numbers, percentiles and scores. Your product owns how it's shown for the end-user.

Why this matters now

Give your AI advisor numbers it can trust

Your customers will ask their AI advisor real questions: Am I paying too much? Should I switch? A generative model always answers, but without real numbers behind it, it can guess and sometimes invent. For your customers' finances, that's not good enough.The insights give the model figures it can cite instead of derive: the customer's actual numbers, their percentile against real peers, the specific gap in kronor. All calculated, never generated. The AI is freed to do what it's genuinely good at, explaining and guiding the customer to the next step based on your offering, without the hallucination risk that makes financial AI a liability.

Answer the question every dashboard raises: is this good?

A connected dashboard is genuinely valuable: every account in one place, accurate and current, often for the first time. But once customers see it all, they ask the natural next question: is that fee normal, is that holding too concentrated, am I on track?Intelligence answers it. The same data your customers connect, now set against real peers: this fee is among the most expensive 15%, this holding is more concentrated than most, this is what the gap is worth. That's what turns a dashboard customers check once into one they return to, and gives you the substance to nudge, advise and convert.

A market view no single institution has

Any one bank, insurer or broker only sees its own slice, so it can't honestly tell a customer where they stand against the wider market. Insurely's core product creates that market view by connecting data across providers; Intelligence computes the benchmarks on top, standardised across providers and product types. You show customers their position without sourcing a peer dataset or building the pipeline yourself.

How Insurely Insights is delivered

The insights are computed from a consumer's full financial picture — across all their connected providers — and made available through Insurely, alongside the data you already collect. You point to the accounts and policies and the benchmarked intelligence comes back. And because each insight stands on its own, you can start with one and add more over time without reworking how you've integrated.

Already an Insurely customer? The insights build on the picture you're already collecting — so you're most of the way there. Not yet a customer? The collection layer comes first; the intelligence rides on top. Either way, the conversation starts in the same place.

Five anchor use cases

It starts with the data. With a consumer's go-ahead, Insurely brings their real financial life — holdings, fees, premiums, balances — into one clear, current picture that powers dashboards, onboarding, switching and advice. Insights is the layer on top: the same picture, now benchmarked against real peers, so every number comes with a sense of whether it's good, normal, or worth acting on.A few examples of what that looks like:

More concentrated than they realise

Nearly a third of a portfolio (34%) sitting in a single fund, far more concentrated than most comparable investors — and easy to miss when it's split across accounts. We surface where they stand against their peers; you turn it into a nudge toward a broader mix.

Paying too much in pension fees

A pension charging 1,011 SEK a year where comparable savers pay around 650 — a 361 SEK gap that compounds to roughly 18,200 SEK over 20 years. We quantify the gap and confirm the pension can move; you guide the switch to a lower-cost option.

A better mortgage rate within reach

A 2.8M SEK mortgage at 2.95%, where most borrowers in the same position sit closer to 2.63% — about 11,200 SEK a year in the difference. We benchmark them against the market; you make the timely case to refinance.

Overpaying on insurance

Car insurance at 8,640 SEK a year where comparable drivers pay closer to 7,210 — around 1,430 SEK more than the people most like them, with cheaper cover in the same segment. We show the gap against their peers; you offer the switch.

One score for their whole financial life

A single score, 58 out of 100, placing a customer's full picture against people like them across insurance, savings, debt and pension — with the highest-impact move flagged: the mortgage, worth about 11,200 SEK a year. We compute the score and the standout opportunity; you build the experience that keeps them coming back.

Who Insurely insights is for

Anyone building a financial product who wants to show customers where they stand—not just what they have—and what action they should take next to improve their financial situation. The insights enrich the financial data available through Insurely with benchmarking, comparisons and decision-ready context. You own the product and the customer relationship—we provide the intelligence underneath.

Banks adding intelligence to advisory, transfer and comparison journeys.
Pension and investment providers helping customers see fees, performance and opportunity against the market.
Mortgage and lending players surfacing where a customer's rate sits versus comparable borrowers.
Insurers sharpening quote, retention and cross-sell journeys with peer context.
Embedded finance and aggregation apps that want every connected account to mean something.
Wealthtech, insurtech and pensiontech builders who need a credible "is this competitive?" layer without building benchmark pipelines themselves.

What's included — and what isn't

Is: Investments, pension, loans, insurance, and cross-vertical signals. Consumer-facing intelligence — peer benchmarks, gap detection, concentration and financial-health scores, and fee/cost projections.

Isn't: Claims data (insights are policy- and premium-based, not claim-experience-based), income data, employer group coverage (not visible in collected data). The recommendation and next step (we show where the customer stands; the advice and action are yours). The interface itself (Insurely supplies the signals and the calculation behind them; the platform owns the UX).

Compared to building this yourself

Sometimes in-house is the right call. If you operate in one vertical and one country, and your own book is genuinely representative of that market, you can build a benchmark from your own data.

Most institutions can't — and it isn't a resourcing problem, it's a data one. A benchmark that holds up needs data built from consumers' full financial portfolios — what real people actually hold, pay and own — plus the statistical modelling, per-vertical logic, and the ongoing upkeep to stay accurate as markets move.

Insurely already runs it. You get the output — and your team spends its time on the product instead.

FAQ — the things founders actually ask us

Investments, pension, loans and insurance data from European financial institutions, with consent from the end user. See our open finance API for the collection layer Insurely Insights builds on.

Yes. Each insight is independently usable. Most customers start with two or three insights closest to their primary product flow and add more as they expand.

Through an Insurely API, scoped to each consumer connection. Insights build on the financial picture you're already collecting, so the integration is light — the benchmarked signals are computed for you, not something you assemble yourself. We'll walk through the setup for your stack when we talk.

Confidence and data caveats ship in the payload per signal, so your product can decide when to surface a number and when not to. Some segments include thousands of users, accounts, policies or holdings, others fewer. The data signals which.

Expose the Insights API to your agent as a tool it can call. When the model needs a real figure — a fee percentile, a benchmark, a projection — it calls the insights API and answers from the pre-computed numbers rather than estimating or inventing them. Standard tool/function-calling is all it takes; no special agent framework required.

Pricing depends on your setup, including the products you use, the insights capabilities you need and your expected usage. Whether you're adding insights to an existing implementation or deploying it as part of a new solution, we'll tailor a commercial setup based on your specific requirements. Get in touch with our team for a customised quote.

A few cases. First, if you haven't yet solved data collection — the insights are the layer on top of consented and collected financial data, not a replacement for the underlying connection. Insurely's collection layer is the place to start. Second, if you operate in a market Insurely doesn't yet cover — benchmarks depend on having enough activity in a given market to be meaningful, and we're live in some and not yet in others. We can tell you whether yours is covered. Third, if you're an individual consumer rather than a business — the insights are built for the institutions that serve consumers (banks, insurers, apps), who own the consumer-facing experience, not sold to end-users directly.