Financial advisory system for Bonnfinanz

Innowise helped Bonnfinanz to build a web-based Mendix application for its advisors. The goal was to carry the proven functionality of their advisory and administration system onto a next-generation platform that supports mobile working, direct interaction with the client, and a noticeably shorter path from idea to release.

Industry Finance & financial advisory

Employees 300+

Region Germany

Services Web development

Client since 2025

Client overview

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Bonnfinanz is a German all-finance advisory company that has been operating in the German market since 1970. Around 320 self-employed financial advisors support approximately 500,000 clients across Germany with protection, retirement planning, real-estate assets, and wealth building. Advisory work follows Bonnfinanz’s own PlusPrinzip methodology together with the DIN 77230 basic financial analysis, the first German standard for financial services. Bonnfinanz operates from its head office in Bonn, where 64 employees work at the service centre, and has been part of the portfolio of European investor BlackFin Capital Partners since 2019.

Challenge

Bonnfinanz already had the full advisory and administration functionality in place. The existing system had supported advisory work reliably for years and set a high functional bar for its successor. The task was to carry it onto a next-generation platform without losing the functionality proven in daily advisory work.
Since advisory is increasingly taking place digitally and independently of location, the new platform therefore had to work on mobile devices and support direct interaction with the client: sharing documents, collecting signatures, and following up on a meeting without a detour via the office.
The previous platform was designed for longer release cycles. Bonnfinanz wanted a shorter time to market. Regulatory changes and market opportunities, such as the DIN 77230 methodology or the reform of state-supported retirement provision, had to reach advisors quickly.
The advisory platform is part of what Bonnfinanz offers to its advisors. An intuitive, self-explanatory application shortens the time it takes newly recruited advisors to become productive and supports the continued growth of the advisor network.
The client wanted to make the growth possible without a proportional increase in administrative effort, so the platform had to scale: more advisors, more clients and more contracts on the same technical basis.

The predecessor system had a data structure that had grown with the business over many years. It had to be mapped onto a domain-driven data model without breaking the continuity of the existing client and contract data that advisory work relies on every day.
The platform had to be built in a way that keeps new functionality deliverable quickly. Features with interdependencies were broken down into independently deliverable sub-features, so that each increment could go live without affecting functionality already released.
A middleware layer was required to transform the existing backend API data into models a Mendix front end can use directly. It also had to serve all functional modules, including contacts, protocols, documents, appointments, portfolio data, and signatures, with consistent user experience and data flows, and to apply the regulatory requirements without restricting the professional judgement of the advisor.

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Solution we delivered

We built two Mendix applications for Bonnfinanz and connected them to the existing backend systems, carrying the established advisory functionality onto a cloud-based, mobile-capable platform. Bonnfinanz owns the target architecture, the domain model, and the product roadmap; Innowise contributes solution design, architecture, and Mendix and Azure development.

The backend holds the logic and data the application works with: contract information from Bonnfinanz and its product partners, client data and advisory history. To make that data usable directly in the interface, the solution also includes a middleware layer that standardizes the product partner APIs into one format the application consumes through REST interfaces.

The applications are structured as a set of modules along the tasks advisors perform: client dashboards with portfolio data, generation of advisory protocols, document management, appointment scheduling, digital signatures, analytics and role-based permissions. This structure follows Bonnfinanz’s domain model and made incremental delivery across releases possible.

Key functionality delivered: app #1 advisory workplace

Dashboard and client overview

The dashboard brings together all account and service details in one view. Advisors can open comprehensive client profiles showing contact information, the insurance portfolio visualized as donut charts across the insurance categories, coverage indicators, and previous advisory history. The baseline information for a meeting is available on one screen.

Unified contact and client management

The application gives each advisor one consolidated view of their clients: a 360-degree profile that opens instantly and shows history, appointments and priority rating. They can access it on a desktop in the office and on a mobile device at the client’s table.

Multi-provider insurance portfolio integration

The application brings together contracts from Bonnfinanz’s own portfolio and from its product partners, so advisors work with one portfolio view. Contracts enter through the established industry interfaces with the partner companies, within the scope of the client’s consent. Contracts are categorized automatically by line of business, and coverage gaps are indicated.

Automated consultation protocol generation

The platform generated advisory protocols in line with DIN 77230 from structured data: client data from the client record, current holdings from the consolidated portfolio view, financial details and the products recommended by the advisor. Conditional logic adds the applicable regulatory disclosures, cost statements and suitability assessments. Templates adapt to the advisory situation: initial consultation, follow-up, annual review or specialist consultation. The applicable requirements are therefore applied consistently by the system.

Document management and organization

The application centralizes customer documents, contracts, regulatory notices, powers of attorney, invoices and correspondence. Documents are categorized automatically by type, linked to the related contract, tagged with priority levels and made searchable, so anything can be found quickly and the history of every document remains auditable through version control.

E-signature and digital contract completion

The e-signature feature shortens waiting periods. Clients receive a signature request by email with a document link. The link leads to a mobile-optimized signing view where they can read the document, authenticate, and sign. Status notifications update the advisor’s dashboard with the signature status. This is faster and more convenient than printed documents or a separate signing appointment.

Analytics and activity monitoring

We built real-time KPI dashboards that track daily, week-over-week, monthly, quarterly, and yearly trends. Event tracking covers specific actions with drill-down for detailed investigation. Bonnfinanz uses this data in product and sales management: which products are selected most frequently, which contract types are trending, how seasonal demand changes, and which recommendations are accepted.

Multi-layer user permission rules with role-based access control

The application enforces granular permission rules. Every role sees exactly the data set required for its task.

Key functionality delivered: app #2 administration and master data

Easy data import and automatic syncing

As soon as an administrator adds a new employee or an employee-related object, the application hands the record to the middleware, which distributes it to the connected applications. All systems stay in sync and show the same information without anyone entering it twice. Recurring administrative work became faster and less error-prone.

Guided employee onboarding

When a new person joins the company, they go through an in-app onboarding process. From day one, the system stores all necessary personal and job details. During this process, employees can also upload files such as IDs or work contracts directly to their profile. This helps new employees start their duties with the required documents neatly organized in the system.

Automatic data tracking

The application includes an audit trail. Every change is recorded with its previous value, new value, author, and timestamp, which protects employee records and makes them easy to review.

We needed to carry an established advisory platform onto next-generation, mobile-ready technology while hundreds of advisors kept using it every day. Success came from solving two things at once: migrating a data structure that had grown over many years onto a clean, domain-driven model without losing continuity, and building the platform so new functionality could keep shipping on a quarterly rhythm instead of a slow, monolithic release cycle.

Siarhei Sukhadolski Chief Delivery Officer & Head of Competence Center

Delivery approach

Innowise worked as a development partner integrated into Bonnfinanz’s project organization. Bonnfinanz defined the release scope, prioritized the backlog, and approved the results. The joint team ran the work with Scrum, in two-week sprints with refinement sessions, sprint planning, scope management, and retrospectives, so results could be reviewed with Bonnfinanz continuously and adapted as the project moved forward. Time and progress were tracked in Jira.

Major features with several interdependencies were decomposed into independent sub-features. Each sub-feature had a delivery owner responsible for testing and integration. To prevent breaks and ensure stable deployments, features were released only when all sub-features passed quality gates. Such an approach also helped maintain development velocity.

Testing was shared: Innowise tested the apps within the sprint, and Bonnfinanz ran system integration testing and business acceptance testing on its own acceptance environment, with formal sign-off before each release. Releases followed a quarterly cycle, which gave Bonnfinanz regular increments of working functionality and left room for testing, user feedback, and improvements before the next launch.

Technologies & tools

Backend

Java; Mendix

Frontend

JavaScript, React, HTML, CSS, SCSS/SASS, Mendix Atlas UI

Databases

Mendix Built-in Database, PostgreSQL, Mendix OQL

Low-Code Development

Mendix, Mendix Studio Pro, Mendix Atlas UI, Mendix Team Server, Mendix Charts, Mendix Document Generation

Platforms

Web, Mendix Studio Pro

Web server

Mendix Cloud

Integrations

REST, Middleware, Microsoft Graph, Azure, Mendix Document Generation (PDF Generation), SSO

DevOps

Mendix Cloud

Continuous deployment

CI/CD

Revision control systems

Mendix Team Server

Server monitoring

Mendix Cloud

Log management

Mendix Cloud

QA

Manual Testing

Others

Mendix App Security, XPath, Excel Import/Export, Mendix Charts, Domain-Driven Design (DDD)

Team

Mendix developers

Results

Project duration

September 2025 – Ongoing

Bonnfinanz advisors now work on a platform they can use in the office and on the move. It gives them one place for client-related information: documents, insurance portfolios across providers, appointments and advisory history. Advisors can review client information and holdings, generate compliant protocols, schedule appointments, and collect digital signatures without switching between separate sections.
Behind the interface, the application works with Bonnfinanz’s existing backend through the product partner interfaces and the middleware layer, so the new advisory experience fits into the company’s technical setup. The modular structure and the quarterly release cycle also shorten the path from a new business requirement to functionality in the hands of the advisor.
Bonnfinanz and Innowise are continuing their cooperation on the next stages of the platform.

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