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    The foundation for financial AI

    We provide data, algorithms and AI infrastructure for financial services.

    We connect those capabilities to your systems, implement useful workflows and help your people adopt them.

    Talk to us Explore our work
    An adviser asks emable which clients to call this week. emable reads client records, product rules and EU market data, only within the adviser’s role and own clients, scores the clients on three signals and answers with the three to call, each tagged with the source it came from. Then the adviser asks what to offer one of them. The adviser decides. Records are fictional.

    Clients

    Financial services inside the AI people already use.

    Connect your business to AI

    Your financial services. Accessible through AI.

    Give your advisers, clients and potential clients access to the information and services they need through AI, connected to your financial knowledge, data and systems.

    Client records & contracts

    Private to your business

    Financial knowledge

    Products, markets, public & proprietary data

    emable

    Data, algorithms and AI

    Source checks · Role permissions

    API + MCP

    Answers and services through AI

    Advisers

    Client & product answers

    Clients

    Their information & services

    Potential clients

    Product information

    How we work

    Start small on real data, measure, then scale.

    1. First

      Discovery

      Agree the outcome, data, sources and rules.

      AgreedOutcome, data and rules

    2. Then

      Pilot

      One workflow on real data, with your people.

      MeasuredA working workflow

    3. After the pilot

      Scale

      Roll out, integrate, support and improve.

      LiveIntegrated and supported

    Plan your AI distribution

    Prepared knowledge of financial distribution

    We arrive with a view
    of your market.

    Organisations, group relationships and market structure give us a starting point. We combine that knowledge with your goals and the facts you confirm about your business.

    A view of financial distribution

    Loading the distribution globe…

    © CARTO · © OpenStreetMap

    01 / Banking distribution

    −311

    Spain’s bank office network shrank by 1.8% in one year.

    The national stock of credit-institution offices fell from 17,593 to 17,282 during 2025. This is a net change, not a count of gross closures.

    End 2024 to end 2025

    02 / Insurance distribution

    1 : 293 to 1 : 2,812

    Residents per registered insurance intermediary: 293 in Italy, 2,812 in France.

    National registers at end 2024 against population. Registers count different people: Italy includes collaborators of agents, brokers and banks, Czechia and Germany include tied agents, and France registers more firms than individuals.

    Residents per registered individual intermediary
    • Italy293
    • Czechia335
    • Germany535
    • Spain1,131
    • France2,812

    End 2024; population on 1 January 2025

    03 / Investment distribution

    17.1% vs 6.4%

    Spanish households hold 17.1% of financial assets in funds. French households, 6.4%.

    Directly held investment fund shares at end 2025. French households keep 26.0% in life insurance claims, which national accounts record separately from funds.

    Share of household financial assets in investment funds
    • Spain17.1%
    • Germany14.5%
    • Italy13.8%
    • Czechia13.4%
    • France6.4%

    End 2025

    Sources and coverage

    Selected public group relationships. Dots approximate documented office cities. Some company relationships have not been mapped. This selection does not measure national market coverage or imply an emable client relationship.

    This public sample demonstrates our approach to connected market context. It does not show private client data, transaction flows, direct ownership, or complete national market coverage. The Crédit Agricole group anchor represents group membership, not a legal parent. Locations are city-level. Sources checked 18 October 2026. Map dots represent selected companies and offices, not the statistical observations in the news.

    Spain’s bank office network shrank by 1.8% in one year.

    End 2024 to end 2025. Coverage: National year-end stock of offices of resident credit institutions in Spain, ECB SSI N40.

    Both national observations were refetched on 2026-10-18 with status A. The published office universe excludes non-credit institutions; it is not a bank, ATM, customer or adviser count.

    Residents per registered insurance intermediary: 293 in Italy, 2,812 in France.

    End 2024; population on 1 January 2025. Coverage: Each national competent authority’s reported end-2024 stock of registered natural-person insurance intermediaries for Italy, Czechia, Germany, Spain and France, divided by that country’s total resident population on 1 January 2025. Bars show register density, so a shorter bar means more residents per intermediary.

    Full national register observations, not emable discovery records. Legal-person registrations are excluded (IT 29,684, CZ 4,097, DE 25,447, ES 13,966, FR 37,611). Registers are not harmonised: Italy includes representatives of legal persons and collaborators of RUI sections A, B and D; Czechia and Germany include tied agents; Czechia excludes group-insurance sellers registrable only from 1 July 2025; France reports ORIAS data with more legal than natural persons. EIOPA itself warns figures differ by registration approach. French population is provisional. Both files refetched on 2026-10-20. Not an adviser, activity, workforce or saturation measure.

    Spanish households hold 17.1% of financial assets in funds. French households, 6.4%.

    End 2025. Coverage: National financial accounts stock of total financial assets of households and non-profit institutions serving households (S14_S15, non-consolidated) in Spain, Germany, Italy, Czechia and France at end 2025, and the part held as investment fund shares or units (F52).

    Eurostat refetched on 2026-10-20 (dataset updated the same day). Shares computed from EUR million values. Spain, Germany, Italy and France match ECB QSA Q4 2025 exactly; French 2025 values are provisional in Eurostat. Czech F52 matches ECB, but ECB reports a higher total (CZK 12,915,613m vs 12,764,482m), giving 13.2% instead of 13.4%; the ranking is unchanged. F52 counts directly held fund shares only; claims on life insurers (F62) and pension schemes are separate instruments. Not a fund-sales, flow, channel or investor-count measure.

    Your financial services. Where people need them.

    1. 01 Start with your business.

      Your products, client information and existing systems.

      Products & knowledge

      Home insurance

      • Product information
      • Policy wording

      Client information

      Your client records

      • Contracts & documents
      • Access permissions

      Existing systems

      Your service tools

      • Client portal
      • Service requests

    2. 02 Connect it through emable.

      One service engine, with the right access for each person.

      Your connected service engine

      Data · Algorithms · Connections

      AnswersService actions
      Access per roleAPI + MCP

    3. 03 Reach people where they work.

      Advisers, clients and everyday AI, from the same engine.

      Adviser workspaceAssigned clients only
      Home insurance

      Where is accidental damage explained?

      Source found

      Go straight to the relevant wording.

      Policy wordingAccidental damage
      Source

      Read the source before advising the client.

    Our work

    See what happens when it all connects.

    Systems for your people. Intelligence for the next decision. Selected client work, pilots and prototypes.

    Connected workplace

    Your working day. In one place.

    Knowledge, CRM context, meeting notes, calendars and updates, connected around your team.

    • Find the context without switching tools.
    • Keep meetings, bookings and follow-up together.
    • Give everyone the same view of the work.

    Demonstrations use fictional records.

    Prototype testing

    Test the prototype before real users do.

    AI personas click through your clickable prototype like real users and show where people get confused, stuck or blocked.

    • Simulated users follow your scenarios, step by step.
    • Every finding comes with a screenshot, a count and a check.
    • Fix the blockers first, then confirm with real users.

    Demonstrations use fictional records.

    Portfolio opportunities

    Know which client conversation comes next.

    Find potential opportunities in client and contract records, with a reason behind each recommendation.

    • Bring client and contract signals together.
    • Prioritise opportunities with supporting reasons.
    • Let the adviser review and decide.

    Demonstrations use fictional records.

    AI adoption

    Powerful AI. A familiar way to use it.

    Put useful AI inside the tools your people already understand. Start with the task they need to finish.

    • Ask in ordinary language.
    • Get an answer with the relevant context.
    • Review the next step before acting.

    Demonstrations use fictional records.

    European expansion

    A market you can compare. And act on.

    For a client expanding across Europe, we turn scattered information into a comparable view of financial distribution.

    • Compare firms through standardised records.
    • Combine data with websites, filings and reports.
    • Keep the source, period and gaps visible.

    Demonstrations use fictional records.

    01 / 05
    Explore the capabilities

    About emable

    We started with the data. Now we build the software.

    emable grew out of EMA Data, which has monitored and interpreted financial market data since 2019. Today we build data, algorithms and software for financial services, shaped around the way each team works.

    • 2019market data work begins
    • 40+clients
    • PragueCzech Republic

    Since 2019

    EMA Data

    Monitoring and interpreting financial market data. Dashboards, studies and custom data work for professionals in financial distribution.

    Since 2022

    EMA Meet

    Discussions that brought financial distribution leaders together around market data.

    Earlier work

    EMA AI

    Earlier AI tools for adviser recruitment, research and validation, and decision support. This work is now part of emable.

    Today

    emable

    Data, algorithms and software for financial services. We build custom apps around each team's work, connected to the systems they already use, and support the people using them.

    The people behind emableOur story, our team and the EMA Meet community.Meet the team

    Ask the emable assistant

    Ask anything about emable.Or start with the questions below.

    Ask about our products and how we work. The assistant answers from public emable information and tells you when a person should answer instead.

    Asked most often

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    Next step

    What should your next distribution channel do? Talk it through with Jan.

    Pick 15 minutes with Jan. We start with your current sales and service, your goals and what you want to keep. You receive a prioritised plan for one process.

    Jan KluzCEO, emable · Prague
    15 minutes, onlineGoogle Meet link in the invitationNo preparation needed

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