Vinlivt

Vinlivt GmbH is a German financial technology company operating in the Insurtech and Fintech sectors, providing a digital platform for financial advisors, insurance brokers, and sales organizations. The Munich-based firm was founded in 2021 by Dariusz Borowski and Uwe Lätsch. The founders bring extensive experience from the finance and tech industries, including previous roles at the comparison portal Check24, which informed their approach to creating Vinlivt. Uwe Lätsch, CEO, has a background in product management at companies like CHECK24 and W&W Interaction Solutions, while CTO Dariusz Borowski has a long history as a software developer.

The company's core offering is a white-label mobile application that serves as a "Financial Home" for end-customers, consolidating banking, investments, and insurance policies into a single interface. This B2B2C model enables financial advisors to enhance client relationships through a modern, digital touchpoint. The platform's business model is based on a monthly license fee paid by the financial advisors or their respective organizations, while the app remains free for the end-user. Vinlivt's platform facilitates GDPR-compliant communication between advisors and their clients via an integrated messenger, digital document exchange, and automated notifications about significant life events—such as a salary increase or change in marital status—that could trigger a need for a consultation.

The application features multi-banking capabilities, a digital household ledger, contract management, and automated analysis of financial data to identify optimization potential. By connecting to a user's bank accounts, the software's AI can detect existing insurance or loan contracts and suggest opportunities for improved financial planning, which the advisor can then act upon. This is designed to increase efficiency and productivity for advisors, addressing challenges like the shortage of young talent in the financial services industry. Vinlivt has successfully raised capital to fuel its growth, including a pre-seed round of €700,000 in 2022 and a subsequent extension of nearly €1 million in April 2024 from various angel investors and venture capitalists like Next Commerce Accelerator and Vealo Ventures. As of early 2024, the platform was used by over 100 financial advisory firms and had more than 45,000 end-users.

Keywords: financial advisory software, client management app, digital brokerage platform, Insurtech, Fintech, B2B2C finance app, multi-banking, financial planning tool, customer relationship management, digital insurance folder, asset management platform, pension management, contract optimization, Uwe Lätsch, Dariusz Borowski, financial analysis, white-label finance app, wealth management tech, client communication platform, digital financial home