Finance has more technology than it has ever had.
That has not always made the relationship clearer. We believe a person should understand an important financial decision before they make it, and a firm should be able to demonstrate how it took care of the relationship.
Three numbers, and what each one covers.
Finance has more technology than it has ever had. That has not always made the relationship any clearer.
Five things, and each one is a choice.
We start with the person, not the compliance department
The first useful minute of 4orm happens before any firm is involved, because that is the only moment understanding is free.
The professional stays the professional
4orm supports the relationship. It does not replace the expertise, and it does not make the regulated recommendation.
The record starts before anything goes wrong
Evidence grows while the interaction happens, rather than being assembled afterwards by a person trying to remember.
Both sides get something from the same interaction
Clarity for the person and evidence for the firm are not two products. They fall out of one conversation.
We care about what happens between systems
Identity checking, documents, credit and messaging are all pieces. What 4orm protects is the relationship running between them.
Four values, and they describe the product.
Leave the person safer than you found them
Financial technology should leave a person clearer and more capable than it found them, not merely further along a funnel.
Three kinds of knowing are not one kind
What a person said, what a document supports, what has been independently verified and what remains unknown are different things. We will not present them as though they are the same.
Your information. Your decisions. Your record.
A person's information, choices and understanding should not disappear simply because they entered a complicated financial process.
Show the request, the reason and the result
What is being asked for. Why. What changed. Who received it. What happened next.
Technology when it helps. A person when you need one.
The moment a person most needs help with a financial decision is rarely between nine and five.
Nine people, and why each one is here.
Most of us have spent a career somewhere the record mattered. The full team, with what each person actually does, is on its own page.
For the relationships Canadians already have.
Canadian deadlines, Canadian regulators, Canadian registers. This is a statement of where we are focused rather than a flag on a page.
This is what we are building, and what we are building it around.
Use it, or tell us where it falls short. Both are useful to us.