Yainvest was established by Behavioral Finance Solutions (BhFS).

BhFS clients include prominent banks and portfolio managers globally, the solutions are built on 15+ years of scientific research.
Our team combines seasoned executives in the fields of capital markets and technology combined with world-class academic expertise in behavioral finance.
We are united by the common goal of using behavioral finance to provide high-quality, unbiased financial advice to individuals of all income levels.
a world in which all individuals are empowered to make financial decisions that reflect their preferences, while mitigating their biases, to maximize their satisfaction and wellbeing.
to build a suite of data-driven, automated and scalable third-generation behavioral finance tools that provide high-quality, unbiased financial management services to individuals globally.
We’re working to integrate behavioral finance into digital money management services at scale, so that all individuals have the opportunity to maximize their financial wellbeing.
We firmly believe that by making third-generation behavioral finance solutions universally accessible, we can reduce income inequality, make markets more stable and resilient, and improve people’s quality of life.
We recognise that behavioral finance combined with emerging technologies like AI will be immensely powerful. We are adamant that this power needs to be responsibly harnessed to meet the needs of all individuals and help them work towards their aspirations and goals.
We have the courage to stand behind our convictions, adopt a long-term outlook, and establish the principles and ethical norms of a better future for financial services.
We seek to empower and inform, not to control. Our technology guides individuals to make better long-term decisions, avoid bias and achieve financial independence. But the individuals themselves still have the ultimate choice about which goals to pursue and what to invest in.
“There’s the rational planner we strive to be and the instinctive animal that actually guides many of our decisions. Our third-generation behavioral finance tools empower your clients to become aware of their rational blind spots and maximize their financial wellbeing.”
Prof. Hens is the Deputy Director of the Institute for Banking and Finance at the University of Zurich. He is a renowned researcher in the field of behavioral finance and has published extensively on topics such as investor behavior, asset pricing, and risk management. His analyses of economics and the psychology of investing often feature in national Swiss media outlets such as the Neue Zürcher Zeitung (NZZ) and on the national broadcaster SRF.
Elena brings over two decades of experience across investment banking, private equity, wealth management, and early-stage investing. She now leads Yainvest’s work at the intersection of behavioral finance, AI, and investor decision analytics. Elena is also Treasurer and Executive Committee Member of Giving Women, a non-profit advancing women’s empowerment, and holds credentials from the University of Cambridge, the London School of Economics, MIT, and Plekhanov University of Economics.
Enrico is a Professor of Mathematics and the Deputy Head of the Economics Department at University of St. Gallen. He is one of Europe’s foremost experts on modeling financial decision making for real-world applications and has published many papers on this topic. In addition, he serves as a senior advisor at Liqid Asset Management and AGFIF International, and is a member of Swiss Fintech Innovations.
Graziano Mirata is a senior Quantitative & Machine Learning Researcher with more than fourteen years of buy-side and sell-side experience. His expertise spans deep neural networks, reinforcement learning, classical factor research, and systematic strategy design. Before joining Yainvest, he held multiple senior roles at J.P. Morgan, driving equity-alpha research, machine-learning pipelines, and portfolio-optimization solutions. Graziano holds an MSc in Finance and completed PhD-level research in Behavioral Finance at the University of Lugano.
Pushkar is a technologist passionate about transforming ideas into scalable platforms that drive innovation and efficiency. Prior to joining Yainvest, he spent 17 years in the industry, including 14 years at Bloomberg, where he played a pivotal role in developing and modernizing FX, Equity, ETF, and Commodities trading platforms. He brings specialized expertise in building high-performance, data-driven systems with a strong command of AI, data engineering, and distributed systems. He holds an M.S. in Computer Engineering from the University of Illinois, Chicago.
Robert is a financial technology professional with over 20 years of experience, specializing in enterprise sales, strategic partnerships, and business development. He is passionate about building client trust and creating go-to-market strategies that solve complex challenges. Over the years, he has held key positions at renowned institutions like Bloomberg LP, SS&C Technologies, and Ciphertrace, a startup where he led the go-to-market strategy which led to its acquisition by Mastercard. Robert holds an MBA from Columbia University.
Ajay is a seasoned fintech and SaaS leader with over two decades of experience in driving commercial growth across the APAC region for firms such as S&P Global and Bambu. As the founder of The GTM Guide, he helps startups and scale-ups design and execute market expansion strategies that deliver measurable results. At Yainvest, Ajay advises on go-to-market and partnership initiatives, helping bring behavioral finance innovation to leading banks and wealth managers.
Ahmed is a Vice Chairman and Executive Board Member of Moraal Holding, bringing over ten years of expertise in investment management, corporate governance, and leadership. He has been instrumental in transforming the group and positioning it for sustainable growth. With an Executive MBA from London Business School, specializing in Finance, Strategy, and Entrepreneurship, Ahmed combines industry knowledge with a strategic outlook on investment, benefiting both investors and stakeholders.
Ryan is the former Vice President of Investments at Capital One Investing (Formerly United Income). As a partner at Unitetd IncomeHamilton Financial Partners, he developed a client acquisition strategy that led to a 1600% increase in discretionary assets under management. Currently hHe is a managing partner at 10Elms. He holds a degree in business administration from Carnegie Mellon University and an MSc in Finance from London Business School.
Stephanie has over 20 years of international banking experience, gained at Credit Suisse across investment banking, wealth management, and digitalization. She is President of Swiss Fintech Innovations, where she works with the SFTI team to advance innovation and collaboration across the Swiss financial centre in a thoughtful, technology-neutral manner. She also serves as Vice-President of the Board of Directors of DZ PRIVATBANK (Schweiz) AG, is Deputy Managing Director of the Liechtenstein Bankers Association, and lectures at the University of Zurich and the Zurich University of Applied Sciences.
Steve is the Founder and CEO of HorizonX and a Senior Advisor on Emerging Technology to McKinsey & Company. With over 30 years of experience across consulting, telecommunications, and financial services, he helps organizations turn emerging technologies — from AI to quantum computing — into practical business value. Previously, he was Global Head of Innovation, Global Functions at HSBC, where he led large-scale digital transformation and innovation initiatives. Steve is a Board Director at Classiq, co-founder of The Quantum Index, and an alumnus of Harvard Business School and MIT Sloan School of Management.
Anthony is a fintech and wealthtech partnerships leader at Morningstar, focused on Generative AI, strategic alliances, and digital innovation. With over 15 years of experience in financial services, he works with leading fintech brands to create partnerships that drive investor engagement, transparency, personalization, and growth. Anthony is an active voice in the fintech ecosystem, regularly contributing to industry panels, developer competitions, and startup initiatives. He holds a Bachelor of Science from DePaul University and mentors entrepreneurs through DePaul’s Coleman Entrepreneurship Center and Chicago’s 1871 incubator.
Harness the power of behavioral finance to create an unbeatable customer experience and increase your assets under management. Yainvest will make investing more personalized, engaging and fruitful for your clients, and more automated and profitable for you.
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Behavioural Coach for Retail Clients
