Envizage API

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The Envizage API is the gateway to access Envizage's simulation-based and highly configurable holistic advice engine. Developers can get started within seconds and build compelling and engaging advice, guidance, or financial well-being apps and modules with it.

The Envizage API is free to acccess and free to use for up to 500 monthly users. For configuration options, enterprise SLAs and scale-up usage, please

Key Features

The Envizage API is designed to power holistic financial advice and guidance, either direct-to-consumer or advisor-led/hybrid. At its heart, it uses data and assumptions to answer three questions for the consumer and their family:

  1. Will we be able to achieve our desired future outcomes?
  2. If not, then why not? What's holding us back?
  3. What can we do to get back on track? What is our next best action?


  • Being a SaaS API allows our clients to own the user experience and user interface, creating differentiation (but we also have out-of-box options)
  • We use probabilistic (stochastic) modelling of investments AND life risks, leading to much more comprehensive and realistic advice output
  • We don't just generate hard-to-follow graphs and charts, we provide deep, personal, meaningful and actionable insights to our clients' customers in the form of next best actions

The Envizage API covers a very broad and holistic range of next best actions, a sample of which can be seen at These include actions relating to:

  • Saving and investing, including pensions
  • Expense management
  • Income boosting, for example through part-time work
  • Insuring against bad outcomes
  • Borrowing money or repaying existing loans or mortgages
  • Buying vs renting property
  • Using property as a asset during retirement
  • Changing the timing, sequencing and priority of desired future outcomes
  • Lifestyle, including health and well-being
  • and much more

The Envizage API supports a very broad range of use cases.


  • Direct to consumer
  • Advisor led
  • Hybrid

Customer segments

  • Millennials
  • Gen Xers
  • At and Near Retirement
  • In Retirement

Wealth segments

  • Mass
  • Mass-affluent and Affluent
  • High Net Worth (lower end)


  • Investments
  • Pensions and Retirement Solutions
  • Insurance and Protection
  • Credit, Loans and Mortgages
  • Equity Release

User Interfaces

  • Mobile
  • Tablet
  • Desktop/laptop
  • Voicebots
  • Chatbots

Key Benefits

Envizage drives efficiency and cost control for our clients in many ways

  1. Increase the efficiency of human channels
    • Drive more sales with fewer agents/advisors
    • Improve average and below-average agents/advisors
    • Help agents/advisors sell a broader range of products
  2. Reduce platform and distribution costs
    • Consolidate and decommission old apps to streamline sales processes
    • Reduce training costs
    • Create better compliance audit trails and lower cost of compliance
    • Capture consistent data to lower research costs
    • Reach and serve lower value customer segments cost effectively
  3. Global, omni-channel, multi-product
    • Easy to localise for any country's fiscal and product rules
    • Enables the full range of distribution channels from consumer-led to advisor-led
    • Covers the full range of financial products to drive digital cross-selling

Sector benefits

  1. Banks: Engage your customers on a highly personalised basis to identify and serve their needs; reach and serve lower value customer segments cost effectively
  2. Insurers: Explain the benefits of your products visually, to show how then can improve customers' futures
  3. Wealth and Pensions: Convert savers into investors by showing the impact on a household's medium and long-term desired outcomes