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Personalisation remains the industry’s biggest opportunity

Artificial intelligence is opening new possibilities across wealth management. Yet the industry’s greatest challenge remains unchanged: delivering personalised advice at scale.

Insights from Capgemini’s 2026 World Wealth Report, its 30^th edition, are based on surveys and interviews with over 6,500 high-net-worth individuals (HNWI) (USD 1 million+ in investable assets), wealth management executives and relationship managers (RMs) worldwide. The key takeaway? A growing gap between client expectations and current delivery models.

By the end of 2025, global HNWI wealth had climbed to an impressive USD 98.3 trillion (GBP 73.1 trillion). Yet this rising tide did not translate into stronger client satisfaction. Fewer than one in five clients surveyed (17%) reported receiving a seamless, personalised advisory experience, highlighting a growing disconnect between wealth creation and service delivery.

HNWI investors are diversifying assets across providers to access specialist services like alternative investments access, estate planning, and tax advice. From 2022 to 2025, about USD 1.5 trillion (GBP 1.1 trillion) in new assets under advice accrued to competitors instead of traditional wealth managers, highlighting the rising challenge of meeting evolving client expectations.

Closing this gap requires more than new digital tools. It demands a transformation of the wealth operating model built on three pillars.

Successful transformation begins with solid data foundations, governance, and streamlined processes, enabling RMs to focus more on clients and less on operational tasks.

Experience shows that progress is best measured by business outcomes, not by technology deployment alone. Early signs of success include higher adoption among RMs and less administrative work. As an organisation matures, the focus can shift to client retention, share of wallet, and lifetime value. Throughout the journey, client satisfaction remains the ultimate measure of success.

Human expertise remains the ultimate differentiator

Artificial intelligence will reshape wealth management and the firms that pull ahead will be those that combine AI at scale with human judgment, deep expertise, and trusted relationships. As technology becomes ubiquitous, insight, conviction, and advice will become the true points of differentiation.

For a deeper look at the trends, data, and opportunities shaping the future of wealth management, read Capgemini’s 2026 World Wealth Report today.