We share the believe that digital finance services should:
Be Responsible-ethical and ESG considerations should go along with business ones.
Be Inclusive-accessible and affordable for everyone.
Contribute to our collective wellbeing.
Promote the broader social goals of universal access to education, healthcare and other public infrastructure, especially affordable housing, efficient public transportation and reliable power supply.
Experienced Investment professionals are involved in the design, development, due diligence checks-coding control procedures and ongoing oversight of all algorithms. The algorithms we use have a basis in generally accepted economic and financial theories.
Testing and control of algorithms are a separate function from compliance and internal audits. They are independently tested by risk professionals whose role is to challenge and advice those responsible for design and operation of the algorithms on an ongoing basis
We are advocates of retail investors. We provide and promote fair and transparent pricing. We act with the necessary care and prudence in our dealings with clients and ensure that our recommendations and actions undergo due diligence checks and have reasonable basis.
Our recommendations and actions must also pass a suitability test and we avoid all potential conflicts of interest and provide full disclosures on unavoidable ones. We believe this will engender trust, increase retail adoption of capital market products and services, and improve financial inclusion.
We follow a stringent and elaborate governance, review and supervisory procedure for the design, development, testing (validity and reliability), of all the software algorithms we use for our services: risk tolerance assessment, asset allocation, portfolio construction, security recommendation, trade execution, and portfolio management.
We strive to adhere to the highest professional & ethical standards, and business practices in our dealings with clients and partners. And we take up a fiduciary responsibility towards our clients, acting solely in their best interests.
We adopt the Code of Ethics (COE) & Standards of Professional Conduct (SOPC), the Research Objectivity Standards (ROS), the Global Investment Performance Standards (GIPS), and the Asset Manager Code of Professional Conduct (AMCOPC) of the CFA Institute. These standards along with the local regulatory requirements guide all of our activities