Scaling Wealth Management for U.S. Regional Banks with Modern PaaS/SaaS Architecture
A new FNZ Research thought leadership report for U.S. regional bank leaders, by Rob Hubert, CFA, focused on the most consequential platform decision of the decade.
The challenge
U.S. regional banks face a converging set of pressures that are redefining competitive viability in wealth management. The sector has contracted from 14,000+ institutions to fewer than 4,000. The $124 trillion Great Wealth Transfer is already in motion (Cerulli, 2025) and 81% of next-generation high-net-worth investors plan to switch wealth managers within 1–2 years of inheriting (Capgemini, 2025).
Meanwhile, agentic AI is delivering 25–40% productivity gains for early adopters, and RIAs are on track to control 33% of industry assets by 2027. The question is no longer whether to modernize, it's whether you can do it without disrupting the business you already have.
What's inside
Why wealth management has become the most strategically important business inside U.S. regional banks
How the Great Wealth Transfer, agentic AI, and the rise of digital-native RIAs are reshaping the competitive landscape
FNZ's Start, Grow, Transform pathway — a proven, modular approach to modernizing wealth operations without a "big bang" conversion
Real-world perspectives from an institution that manages $2.4 trillion in assets
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