[{"data":1,"prerenderedAt":215},["ShallowReactive",2],{"uc-reg-mifid-ii":3},{"regulation":4,"includeUnpublished":11,"indexable":12,"useCases":13},{"id":5,"label":6,"issuer":7,"region":8,"url":9,"description":10},"mifid-ii","MiFID II","European Union","europe","https://eur-lex.europa.eu/eli/dir/2014/65/oj","Directive 2014/65/EU on markets in financial instruments: suitability and appropriateness of advice, record keeping and product governance.",false,true,[14,44,59,94,119,135,153,171,187,199],{"slug":15,"title":16,"shortTitle":17,"definition":18,"status":19,"industries":20,"functions":23,"patterns":27,"audience":31,"autonomy":32,"adoptionStage":33,"segment":34,"evidenceCount":35,"publicEvidenceCount":35,"organizations":36,"bestGrade":39,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":43},"goal-based-financial-planning-assistant","AI assistant for goal based financial planning","Goal based planning","An AI assistant that turns a client's goals into projections and what if scenarios using a rules based planning engine, explains the trade offs in plain language and prepares the plan for an advisor to validate, with every assumption disclosed and reproducible.","published",[21,22],"wealth-and-asset-management","banking",[24,25,26],"sales","customer-service","product-and-pricing",[28,29,30],"conversational-agent","content-generation","agentic-workflow","employee-facing","copilot","emerging","front-office",2,[37,38],"CIMB Niaga","Vanguard","B",null,"2026-09-27","context-dependent","Planning support for advisors is not listed in Annex III. A client facing version must disclose that the client is talking to AI (Article 50). It becomes high risk if it is used to assess the creditworthiness of individuals (Annex III point 5(b)) or for risk assessment and pricing of life or health insurance for individuals (Annex III point 5(c)).",{"slug":45,"title":46,"shortTitle":47,"definition":48,"status":19,"industries":49,"functions":50,"patterns":53,"audience":31,"autonomy":32,"adoptionStage":33,"segment":34,"evidenceCount":35,"publicEvidenceCount":35,"organizations":55,"bestGrade":39,"headline":40,"lastVerified":57,"indexable":12,"euAiActTier":42,"euAiActBasis":58},"suitability-assessment-assistant","AI assistant for investment suitability assessment and reports","Suitability assessment","An AI assistant that checks whether a proposed product or portfolio fits a client's risk tolerance, objectives, knowledge, experience and financial situation against the firm's rules, flags mismatches, and drafts the suitability rationale and report for the advisor to confirm, while hard rule failures are decided by deterministic checks, not by the model.",[21,22],[51,24,52],"regulatory-compliance","risk-management",[30,29,54],"classification-and-routing",[56,38],"Morgan Stanley","2026-09-26","Investment suitability assessment is not listed in Annex III, so the tier depends on design. It becomes high risk where the same system assesses creditworthiness, for example for lending against a portfolio (Annex III point 5(b)). MiFID II suitability duties apply regardless of the AI Act tier.",{"slug":60,"title":61,"shortTitle":62,"definition":63,"status":19,"industries":64,"functions":69,"patterns":72,"audience":31,"autonomy":32,"adoptionStage":75,"evidenceCount":76,"publicEvidenceCount":77,"organizations":78,"bestGrade":39,"headline":82,"lastVerified":41,"indexable":12,"euAiActTier":92,"euAiActBasis":93},"marketing-content-compliance-copilot","AI copilot for marketing content with compliance pre review","Marketing content and compliance","A copilot that drafts campaign copy, product explainers and social posts on brand and in the customer's language from approved product facts, then runs a first pass compliance check against advertising rules and required disclosures, flagging unsupported claims and missing warnings before a human in marketing compliance approves publication.",[65,22,66,67,21,68],"cross-industry","insurance","payments","pharma-and-life-sciences",[70,51,71],"marketing","legal",[29,73,54,74],"rag-knowledge-assistant","translation","early-adopters",5,3,[79,80,81],"Ally Financial","JPMorgan Chase","Klarna",{"kpi":83,"label":84,"unit":85,"n":86,"nUpTo":87,"kind":88,"value":89,"qualifier":90,"claimant":91,"organization":79,"vendorReported":11},"productivity-gain","Productivity gain","percent",1,0,"reported",34,"exact","organization","limited","An internal drafting and review aid that makes no decisions about people. Article 50 transparency duties apply to generated content: providers must mark synthetic content, and deployers must disclose deep fake images, audio or video. Personalized targeting of individuals is governed mainly by data protection and consumer law rather than the AI Act.",{"slug":95,"title":96,"shortTitle":97,"definition":98,"status":19,"industries":99,"functions":101,"patterns":103,"audience":31,"autonomy":32,"adoptionStage":75,"segment":106,"evidenceCount":76,"publicEvidenceCount":76,"organizations":107,"bestGrade":39,"headline":113,"lastVerified":57,"indexable":12,"euAiActTier":42,"euAiActBasis":118},"market-abuse-surveillance-triage","AI for market abuse surveillance alert triage","Market abuse surveillance","AI that helps surveillance analysts triage market abuse and conduct alerts, such as spoofing, layering, wash trades, ramping and insider dealing, by gathering the trade, order, news and communications context, explaining in plain language what triggered each alert and drafting the investigation narrative for the analyst to disposition.",[100,22,21],"capital-markets",[51,102],"financial-crime-compliance",[104,30,105,54],"anomaly-detection","summarization","second-line",[108,109,110,111,112],"Commodity Futures Trading Commission","Deutsche Bank","Japan Exchange Group","Nasdaq","U.S. Securities and Exchange Commission",{"kpi":114,"label":115,"unit":85,"n":86,"nUpTo":87,"kind":88,"value":116,"qualifier":117,"claimant":91,"organization":111,"vendorReported":11},"handling-time-reduction","Handling time reduction",33,"approximately","Surveillance of orders and transactions as such is not listed in Annex III. Where the system monitors and evaluates the behaviour of the firm's own staff, in their communications or their trading, it can fall under Annex III point 4(b) (AI used to monitor and evaluate the performance and behaviour of persons in work relationships), so the tier depends on whether the system scores individual employees. Inferring employees' emotions from biometric data such as voice recordings is prohibited in the workplace under Article 5(1)(f).",{"slug":120,"title":121,"shortTitle":122,"definition":123,"status":19,"industries":124,"functions":125,"patterns":128,"audience":129,"autonomy":32,"adoptionStage":75,"segment":130,"evidenceCount":77,"publicEvidenceCount":35,"organizations":131,"bestGrade":133,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":134},"portfolio-reporting-and-commentary","AI generated client portfolio reports and commentary","Portfolio commentary","AI that drafts each client's periodic portfolio commentary and report narrative (performance, attribution, what drove returns, positioning and outlook) in plain language and in the client's language, where every figure comes from the portfolio system of record and a reviewer approves the text before delivery.",[21,22],[126,25,127],"analytics-and-reporting","operations",[29,105,74],"back-office","middle-office",[56,132],"Quilter","C","Drafting client reports for human review is not listed in Annex III and is not a practice prohibited by Article 5, so the tier turns on the firm's role under Article 50. A firm that deploys a third party generator (for example a feature of its portfolio platform) for private client reports has no Article 50 duty: the Article 50(4) disclosure duty covers AI generated text published to inform the public on matters of public interest, which private client reports are not, and it lapses anyway after human review under editorial responsibility. For that firm the tier is minimal. A firm that builds the generating system or places it on the market under its own name is a provider under Article 50(2) and must mark the synthetic text in a machine readable format; drafting whole commentaries goes beyond the exemption for an assistive function for standard editing, so for that firm the tier is limited.",{"slug":136,"title":137,"shortTitle":138,"definition":139,"status":19,"industries":140,"functions":141,"patterns":143,"audience":31,"autonomy":144,"adoptionStage":145,"segment":34,"evidenceCount":146,"publicEvidenceCount":146,"organizations":147,"bestGrade":39,"headline":40,"lastVerified":57,"indexable":12,"euAiActTier":92,"euAiActBasis":152},"wealth-advisor-knowledge-assistant","AI knowledge assistant for wealth advisors and relationship managers","Advisor knowledge assistant","A conversational assistant that answers a wealth advisor's or relationship manager's questions in seconds from the firm's own research, house view, product documentation and policies, with every answer linked to the source document so the advisor can check it before using it with a client.",[21,22],[142,24,25],"knowledge-management",[73,28],"assist","mainstream",6,[148,149,80,56,150,151],"Bank of America","Citi","UBS","Yes Bank","Article 50(1) requires that people who interact directly with an AI system are informed of it, unless this is obvious from the context, as it usually is for an internal assistant labelled as AI; Article 50(2) requires providers of systems that generate text to mark the output as AI generated in a machine readable way. Helping advisors find information is not an Annex III use and not a prohibited practice under Article 5. It would become high risk only if the system were used to evaluate the creditworthiness of clients (point 5(b)) or to evaluate or make decisions about advisors (point 4(b)). If the assistant were opened to clients, they would have to be told they are dealing with AI.",{"slug":154,"title":155,"shortTitle":156,"definition":157,"status":19,"industries":158,"functions":159,"patterns":160,"audience":31,"autonomy":32,"adoptionStage":145,"segment":34,"evidenceCount":146,"publicEvidenceCount":146,"organizations":162,"bestGrade":39,"headline":166,"lastVerified":41,"indexable":12,"euAiActTier":169,"euAiActBasis":170},"client-meeting-notes-and-crm-update","AI meeting notes and CRM update for wealth advisors","Advisor meeting notes","An AI notetaker for wealth advisors that turns a client advice meeting, recorded with the client's consent, into the file note, follow up message and CRM record the firm needs to evidence its advice; unlike a general meeting summarizer, its output becomes part of the regulated client record. It drafts a structured note with the client's goals, circumstances, decisions and action items, and writes it into the CRM once the advisor has approved it.",[21,22],[24,51,127],[105,161,30,29],"speech-analytics",[148,163,56,132,164,165],"Commerzbank","SEB","UniSuper",{"kpi":83,"label":84,"unit":85,"n":86,"nUpTo":87,"kind":88,"value":167,"qualifier":90,"claimant":168,"organization":164,"vendorReported":12},15,"vendor","minimal","Transcribing and summarizing meetings for an employee is not a use listed in Annex III, and the advisor reviews every note before it is filed or sent. The tier would change if the tool inferred emotions: emotion recognition is high risk under Annex III point 1(c), and inferring the emotions of employees at work is prohibited under Article 5(1)(f). Both stay out of scope.",{"slug":172,"title":173,"shortTitle":174,"definition":175,"status":19,"industries":176,"functions":177,"patterns":178,"audience":31,"autonomy":144,"adoptionStage":75,"segment":34,"evidenceCount":76,"publicEvidenceCount":76,"organizations":181,"bestGrade":39,"headline":182,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":186},"next-best-action-for-advisors","AI next best action prompts for wealth advisors","Advisor next best action","An AI engine for wealth advisors, not customers, that scans an advisor's whole book and surfaces a short, ranked list of client specific prompts, such as idle cash, a maturing deposit, a concentration to review, a life event or an early sign of attrition, each with the reasoning and data behind it, for the advisor to act on or dismiss.",[21,22],[24,70,126],[179,180,29],"recommendation-and-personalization","prediction-and-scoring",[37,149,80,56,150],{"kpi":183,"label":184,"unit":85,"n":86,"nUpTo":87,"kind":88,"value":185,"qualifier":90,"claimant":91,"organization":150,"vendorReported":11},"employee-adoption","Employee adoption",80,"Ranking investment and service prompts for an advisor is not listed in Annex III. It becomes high risk if the system evaluates the creditworthiness of natural persons, for example to decide which clients are offered lending (Annex III point 5(b)), so keep credit decisions out of the prompt engine. It is also high risk if the system itself is used to monitor or evaluate advisors' performance and behaviour, for example by scoring or ranking advisors on how they act on prompts (Annex III point 4(b)), so keep adoption reporting separate from performance management.",{"slug":188,"title":189,"shortTitle":190,"definition":191,"status":19,"industries":192,"functions":193,"patterns":194,"audience":129,"autonomy":32,"adoptionStage":33,"segment":130,"evidenceCount":195,"publicEvidenceCount":77,"organizations":196,"bestGrade":39,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":198},"portfolio-drift-monitoring-and-rebalancing","AI portfolio drift monitoring and rebalancing proposals","Drift and rebalancing","Continuous monitoring of every client portfolio against its mandate or model, which detects drift beyond agreed bands and prepares a tax aware, low turnover rebalancing proposal with its rationale for an advisor or portfolio manager to approve before any trade is placed.",[21,22],[127,52,126],[104,30,180,29],4,[56,197,38],"SimCorp","Monitoring portfolios and proposing trades for human approval is not listed in Annex III and is not a prohibited practice under Article 5, so the tier turns on the firm's role under Article 50. A firm that builds or brands the rationale writer in house is a provider under Article 50(2) and must mark the generated text in a machine readable format: drafting a rationale for the drift and the proposed trades goes beyond the exemption for an assistive function for standard editing, so for that firm the tier is limited. Article 50(1) also applies once the rationale reaches the client, as this page's own implementation step allows. A firm that only deploys a third party feature for internal approver use has no Article 50 duty, and for that firm the tier is minimal. Investment conduct rules such as MiFID II suitability and best execution still apply to the resulting trades.",{"slug":200,"title":201,"shortTitle":202,"definition":203,"status":19,"industries":204,"functions":205,"patterns":206,"audience":31,"autonomy":32,"adoptionStage":75,"segment":34,"evidenceCount":195,"publicEvidenceCount":195,"organizations":207,"bestGrade":39,"headline":208,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":214},"investment-research-summarization","AI summaries of investment research and the house view","Research summaries","An AI assistant that condenses long research reports, overnight market moves and the house view into short, sourced briefings for advisors and analysts, answers \"what is our view on X\" on demand, and adapts approved research for different client segments and languages, with every figure traced to the original research.",[21,100,22],[126,24,142],[105,73,29,74],[149,109,56,150],{"kpi":209,"label":210,"unit":211,"n":87,"nUpTo":86,"kind":88,"value":212,"qualifier":213,"claimant":91,"organization":109,"vendorReported":11},"time-saved-per-task","Time saved per task","minutes",120,"up-to","Summarizing research for staff is not an Annex III use and is not a practice prohibited by Article 5, so the tier turns on the firm's role under Article 50. It is minimal for a purchased internal tool with no client or public facing exposure. Article 50 transparency applies when the firm builds the generating system itself, which brings the Article 50(2) duty to mark synthetic text in a machine readable format; when the assistant is offered to clients as a chatbot, which brings the Article 50(1) duty to tell them they are interacting with AI; or when AI generated text is published to inform the public on matters of public interest, which brings the Article 50(4) disclosure duty unless the text has gone through human review or editorial control and a person holds editorial responsibility for it.",1790598319869]