Omnivia: Designing an AI-powered platform for intergenerational wealth and knowledge transfer
@Fidelity Investments
Role
UI Designer
Industry
Fintech
Duration
4 months
⚠️ The Problem
Mechanisms of Transfer
What are the different ways wealth and knowledge can be transferred within a family?
Generational Differences
How do different generations approach learning, technology, and financial discussions?
Future focused solutions
How might Fidelity support families during this transfer five years in the future?
✨ Project Snapshot
This project is done in collaboration with Fidelity Investment’s AI Incubator Group— a subset of FCAT (the Fidelity Center for Applied Technology) to consider how A.I. capabilities might be leveraged during the transfer of wealth and knowledge in the financial services sector five years in the future.
❓ Guiding Question
How might we leverage AI to capture and then move beyond the capabilities of a human
representative/financial advisor?How might the resulting customer engagement agent/tool appropriately span a customer’s interactions during critical periods of wealth transfer?
🗓️ Project Roadmap
🛠️ Design Process
Our team followed the Double Diamond design process from initial research to the final prototype. We began by conducting independent research and exploring individual concepts before converging to define the problem space. From there, we diverged again to generate and evaluate multiple solution directions, ultimately converging on a refined concept that was developed into the final prototype.
👂 Listening to Users
👨💼 Financial Advisor
Interviewed a financial advisor to get insights into wealth transfer planning and the complexities of intergenerational wealth transfer. Helped validate the problem space and identify opportunities where AI could better support advisors and families.
👤 Target User
Interviewed a participant whose experiences closely aligned with our target persona to understand their goals, concerns, and expectations around managing and transferring family wealth.
👤 The User
Our research revealed that wealth transfer extends beyond finances. It also involves preserving family knowledge, values, and confidence across generations. The primary persona helped us focus on users navigating these responsibilities while balancing the needs of both older and younger family members.
🤝 Meet the Coopers
The Cooper family spans three generations, each at a different life stage with distinct financial needs and responsibilities. Their interconnected roles shape Scott Cooper’s experience as he navigates family, legacy, and decision-making.
📍 Mapping the Experience
🧠 Brainstorming Solutions
Interactive Conversational Interface
Omnivia is a visualization tool which collects data based on voice recognition technology, displaying family member’s quotes as interactive cards. Participants can drag and drop these cards inside the circle of values to affect visualization insights.
Collaborative Smart Table
Family members and advisors sit around a smart table. Together, they experience the value visualizations appearing at the center of the table. Personalized dashboards display relevant information individually to each user. The table format encourages family members to converse and participate equally toward achieving shared goals.
Value Cloud Generation
Tool listens for verbal cues during client-advisor conversations. Using sentiment analysis, it detects key words tied to personal values. These sentiments are then translated into visual “clouds,” making clients’ values visible and discussable.
Predictive & Context-Aware Insights
The tool forecasts financial outcomes and surfaces smart, sentiment-driven suggestions. Recommendations appear as dynamic cards that can be prioritized or saved for future planning, helping clients make aligned and confident decisions.
📈 Business Value
Helps families align their financial decisions with what matters most to them— not just numbers, but life priorities.
Supports multi-generational engagement, empowering family members to collaborate meaningfully.
Reduces anxiety by making abstract or complex financial topics tangible and thus easier to discuss.
🔭 Future Opportunities
How might Omnivia evolve into a multi-sensory, narrative-driven immersive financial journey that adapts dynamically to client needs, stages of life, and emotional states?
How might Omnivia harness behavioral finance theory to discern cognitive biases in client data in order to provide more precise recommendations?
