eWise

Established in 2000, eWise operates in the financial technology sector, providing account aggregation and personal financial management solutions. The company was founded by Alex Grinberg, David Hyland, and Allan M. Zander. Grinberg's background includes founding a software development company, while Hyland brought experience in investment banking and as a director for several technology companies. Zander's expertise stems from his work in data security for financial institutions. This combined experience shaped the company's focus on secure, user-centric financial data consolidation.

eWise primarily targets financial institutions, such as banks and wealth management firms, with its business-to-business model. Its core offering is a patented Personal Data Vault (PDV) technology, which allows end-users to consolidate their financial information from multiple sources onto a single interface without their credentials being stored by a third party. This client-side aggregation architecture is a key differentiator, designed to enhance security by keeping sensitive information on the user's device. Revenue is generated by licensing this technology to financial services providers, enabling them to offer advanced digital banking and money management tools to their own customers. The technology, marketed under names like Aegis, facilitates functionalities such as multi-bank account viewing, spending analysis, and budget management.

Over the years, the company has expanded its geographical footprint, with offices and operations in Switzerland, the UK, Australia, and Singapore, serving a global client base. In 2017, eWise was acquired by a private investor group. The firm also offers an API, Aegis Data, allowing developers to build applications on its aggregation platform.

Keywords: account aggregation, personal financial management, fintech, B2B, data security, digital banking, open banking, financial API, wealth management, client-side aggregation