Sesame Summit 2026 – application open

Ramify: Revolutionizing Wealth Management

Ramify, a digital wealth management platform, was founded in 2021 by Olivier Herbout and Samy Ouardini. The duo met in 2014 during their engineering studies at CentraleSupélec. Despite different career paths—Herbout in portfolio management at Goldman Sachs and Ouardini in consulting at Oliver Wyman—both noticed major gaps in financial education and wealth management services in France. These insights led to the creation of Ramify, which offers improved financial guidance and investment solutions for French retail investors. In just two years, the company has made notable progress. “We’ve developed a comprehensive platform with just 11 full-time employees,” said Co-Founder Olivier Herbout, showcasing the platform’s rapid growth and operational efficiency.

digital wealth management platform
📸:Ramify

Addressing the Wealth Management Gap

Ramify targets the mass affluent segment—individuals with €100k to €5m in liquid assets—who traditional financial institutions underserve. “Banks and insurance companies often prioritize their own interests over their clients’,” explained Samy Ouardini. This group has grown dissatisfied with the lack of tailored financial guidance. Additionally, the upcoming €10 trillion wealth transfer from Baby Boomers to the next generation over the next two decades presents a major opportunity for modern wealth management solutions.”Traditional wealth management solutions lack the tech infrastructure to serve this demographic at scale. We needed a hybrid approach,” Ouardini added.

Ramify’s Value Proposition in Wealth Management

The company combines AI-driven algorithms with human financial advisors to offer personalized investment strategies and tax optimization advice. “Our platform simplifies complex financial decisions, offering everything from stocks and bonds to real estate—all through a user-friendly interface,” Herbout explained. By automating many back-office tasks, Ramify reduces costs while maintaining high-quality service. “Cost transparency is a major part of our value proposition,” said Ouardini. This efficiency allows Ramify to offer premium services at a fraction of traditional costs.

What Sets Ramify Apart from Competitors?

The company distinguishes itself from competitors by combining advanced technology with personalized, human-centered service. Herbout explains, “We bridge the gap by offering an integrated platform that automates investments and optimizes portfolios while providing access to expert advisors.” Unlike robo-advisors who lack tailored advice or traditional wealth managers who can be costly and slow to adopt new tech, we focus on the underserved mass affluent segment, offering exclusive products like Lombard lending, Luxembourg life insurance, and Art. Ouardini highlights their transparent fee structure, adding, “We offer premium wealth management services at a fraction of the cost.” This blend of automation, exclusive products, and cost efficiency sets Ramify apart.

digital wealth management platform
📸:Ramify

Go-To-Market Strategy for Digital Wealth Management

Ramify’s go-to-market strategy leverages digital channels and partnerships to attract affluent customers. Through targeted campaigns, they highlight their platform’s benefits and hybrid advisory model. Co-founders take a data-driven approach, believing “we only improve what we measure,” using data to refine the platform. Ramify prioritizes user experience, offering a user-friendly interface, transparent fees, and personalized advice to build trust and long-term relationships.

Recent Funding and Future Goals

Ramify recently raised €11 million in a Series A funding round led by 13books Capital, with contributions from Fidelity International Strategic Ventures, Newfund, AG2R LA MONDIALE, Crédit Agricole Brie Picardie, and several business angels. This follows a €3.5 million Seed round secured in 2022. “The new capital will be crucial for accelerating our growth, particularly in enhancing our technology platform and expanding services,” the team stated. With this funding, Ramify aims to solidify its position as a leading provider of premium wealth management solutions in France.

Ramify faces challenges in scaling while maintaining high service levels. “We’re investing in robust customer support and technology upgrades to handle increased demand efficiently,” Ouardini noted. Current market trends, including wealth transfer and tech-savvy investors, are shaping the industry. “Investors are looking for streamlined, user-friendly platforms that combine technology with human advice,” he explained. With its focus and innovative platform, Ramify is emerging as a key player in the French wealth management sector, offering a modern alternative to traditional and digital competitors.

digital wealth management platform
📸: Ramify

you might also like

crowds throng the avenue before the Blue Stage at VivaTech 2025
Events 2 days ago

At Sesamers, we’re always looking to be the first to learn about the latest trends in the startup and tech events space. That’s why it feels like a privilege that Sesamers was invited by Olivia Hervy, chief ecosystem officer of VivaTech, to the exclusive kick-off VivaTech 2026, alongside key partners.  As Europe’s largest startup and tech event prepares for its 10th anniversary, scheduled for June 17-20, 2026 in Paris, being part of this circle of industry professionals gives us early insight into what promises to be VivaTech’s most ambitious edition yet, with significant expansions and new experiences that reflect a decade of growth and evolution. Major infrastructure expansions After calling Hall 1 and 2 at Porte de Versailles home for a decade, VivaTech 2026 is relocating to Hall 7, a new three-floor building that the event will occupy fully. The venue now features 30% more exhibition space across three floors; upgraded infrastructure; excellent internet connectivity, and a much larger business center. The building has 12 dedicated restaurant areas, providing ample dining options to better accommodate the growing crowds. The centerpiece is a brand new, 2,200-seat main stage where the event’s most significant announcements and keynotes will be held. Greater business focus Building on 2025’s  success (180,000 attendees, 14,000 startups), VivaTech 2026 introduces several business-focused improvements: Doubled innovation showcase The “Garden of Innovators” concept has been expanded upon, with organizers promising to double startup participation, product announcements, and exhibition surface area compared to previous editions.  Located on the first floor, the welcome area will showcase exemplars of innovation through the centuries to remind attendees of humanity’s continuous drive to invent and create. Germany takes center stage For 2026, Germany has been selected as the “Country of the Year,” and VivaTech will highlight the nation’s contributions to the European tech ecosystem with an eye towards strengthening Franco-German technological cooperation. Thematic villages  VivaTech 2026 introduces a new organizational approach: We have four dedicated thematic arenas, each of which features its own startup village and specialized programming: Each thematic village will feature startups building in those sectors, creating focused ecosystems where attendees can explore innovations that cross-pollinate within a concentrated area. Every theme features its own dedicated stage, which will host talks, panels, and presentations tailored to that sector. An additional Executive Arena will cater specifically to marketing and tech leaders, providing a hub for C-level discussions and strategic content. “Revolutions in Progress” VivaTech2026’s theme emphasizes ongoing technological revolutions, with particular focus on: Special anniversary experiences To mark the event’s 10th anniversary, VivaTech 2026 will feature several special events: Looking forward With its tagline, “VIVA LA REVOLUTION,” VivaTech 2026 positions itself not just as a retrospective celebration, but as the launch pad for the next decade of European tech innovation. The expanded format and new experiences point to how the event is evolving from a showcase into an increasingly sophisticated business platform for the global tech community. VivaTech 2026 builds on last year’s impressive satisfaction metrics (92% of exhibitors satisfied, 82% of attendees planning to return) while substantially expanding capacity and capabilities to serve the growing European tech ecosystem.

a wall of amplifiers
Events 2 days ago

Europe recorded €108 billion from exhibitions and events in 2024, according to UFI’s latest data. The continent welcomed 102 million visitors to over 2,000 certified exhibitions across 17 countries; Web Summit Lisbon set a record with 71,528 attendees in November 2024, making it the largest edition to date; and Stockholm’s Techarena secured just over €1 million from VC firm BackingMinds to expand internationally. By any reasonable measure, Europe’s events space has absolutely crushed the events game. End of story. Fin. However, from where I’m sitting, the elephant is still lurking quite comfortably in the room. At the risk of being ostracized, I’ll go ahead and ask the question: Why are some of the most innovative companies on the planet still schlepping to Austin for SXSW to make their biggest announcements (Salt Lick and Stubbs BBQ’s aside)? The room vs. the world Looking at the numbers: Europe’s events spark more meaningful connections per square meter than anywhere else on Earth. In 2025, VivaTech set records with 180,000 visitors, a 10% increase from a year earlier. MWC Barcelona authoritatively anchors a circuit stretching from Kigali to Las Vegas. The continent plays host to an estimated 32,000 exhibitions annually, generating 4.3 million full-time equivalent jobs. These are numbers you cannot take lightly. But walk into any European tech conference and you’ll witness something that should make every one of us reach for the Advil: major announcements received by something akin to a boisterous golf clap from 500 or so people. And that’s it. Those announcements then usually disintegrate into the digital ether, seemingly never to be heard of again. Meanwhile, across the pond, a throwaway tweet about the same topic has the potential to garner upwards of 50,000 shares and three podcast invitations faster than you can drink your morning coffee. But data and numbers don’t lie, and when it comes to events, they’re frankly embarrassing. Europe’s events sector processes roughly €108 billion, and is  extraordinarily efficient in bringing decision makers together in the same space.  European startups consistently struggle with what should be the easier bit: translating those promising conversations into sustained media coverage, investor attention and market validation. The great muppet caper Picture this scene playing out roughly 847 times per week across Europe: Monday: A Finnish startup leveraging AI presents a true breakthrough in supply chain management/optimization/operations to 200 logistics executives at a specialized track. The demo is genuinely impressive. The potential is genuinely massive. The audience is the very definition of target market. All the right pieces are in all the right places. Tuesday: Three tech publications publish brief summaries, perhaps even covering the entire conference, and not just the logistics breakthrough. The fledgling company’s LinkedIn post gets 47 likes (including the founders’ mothers, university mates, and the intern). A single podcast interview is scheduled for three weeks later. It may or may not happen. Wednesday: The story is now less alive than disco was on July 13, 1979. Look that one up, kids. Now let’s compare the same actions to the American playbook, which, if I’m honest, makes me simultaneously impressed and nauseous. The same company makes the announcement at a Bay Area-based event (yep, you know it as well as I do). It generates immediate response across a variety of channels from some  truly influential voices and some noise makers, but enough to garner the attention of major media (print, podcast, and pulp) outlets within 48 hours. It then spawns derivative content, and creates a sustained conversation that drives real, true, business development for the startup for weeks. The difference here isn’t the quality of the innovation; it’s how the messaging was amplified. Folks, you can hate me for saying this, but this is where Europe is getting schooled. There is no stopping in the Red Zone Take one look at today’s media landscape, and you’ll leave with a rather morbid impression. The problem isn’t structural fragmentation; it’s an endemic contraction. Leon may be growing, but European tech media is shrinking,  at precisely the wrong moment. A brief reminder: TechCrunch, long the go-to outlet for European startup coverage, quietly shut down its entire European operation in 2025 when private equity firm Regent LP acquired the publication.  Digital Frontier, the London-based tech publication that launched in early 2024 with a team of 20, “paused” operations just a few months ago, making all 16 staff members redundant.  Business Insider cut 21% of its staff in 2025, citing “extreme traffic drops” and AI disruption. Just days ago, we all found out that The Next Web, once one of Europe’s flagship tech conferences and media brands, was shutting down its events and media operations after nearly 20 years. The Financial Times, which bought TNW in 2019, confirmed it was winding down the business by the end of September following a “strategic review.” Conference attendance had dropped to 4,500 in 2025, less than half of pre-pandemic levels. The failure to capture content The folks at Black Unicorn PR earlier this year put together a guide that reveals something anyone working in European tech media already knows but pretends isn’t true: “Unlike the U.S., which has a few dominant tech media outlets and an emerging class of star indie writers, Europe hasn’t yet consolidated its practitioners’ knowledge in one place.” Stop and think about what that really means for a second. Sure, we’ve got strong regional players, and I salute Sifted, EU-Startups, and Tech.eu doing the do. But the lack of a unified amplification machinery, by definition, puts Europe at a disadvantage over Silicon Valley stories that are destined to be heard in Phuket faster than you can finish reading this sentence. To put it bluntly, European tech events suffer from content capture failure. The most valuable insights surface within conversations, at roundtable discussions, and networking sessions that generate no permanent content.  Unlike American events, which increasingly operate as content factories designed for social media amplification, European conferences optimize to create value in the room rather than post-event content distribution. All that

blank
New Materials 3 days ago

Winning the JEC Startup Booster's 2025 Sustainability Award transformed Strong by Form from a 'promising startup' into a serious player with industrial credibility.

Subscribe to
our Newsletter!

Stay at the forefront with our curated guide to the best upcoming Tech events.