One Two One Advisor – Pioneering the Future of FinTech & InsurTech One Two One Advisor Sdn. Bhd.

(121Advisor) is a leading FinTech and InsurTech solutions provider that has been driving digital transformation across the banking, insurance, and takaful industries for over three decades. Established in 1990, the company has consistently focused on innovation, scalability, and customer-centric digital ecosystems.

As financial services continue to evolve globally, 121Advisor has positioned itself not as a trend follower, but as a technology pioneer—delivering intelligent platforms that help institutions modernize operations, reduce costs, and improve customer engagement.

Company Overview

Founded in 1990, 121Advisor delivers end-to-end digital solutions for banks, insurers, takaful operators, agencies, and financial intermediaries. The company has successfully implemented enterprise-grade platforms across referral management, digital sales, underwriting automation, customer service, analytics, and AI-driven advisory systems.

Their solutions span web, mobile, and cloud environments, enabling organizations to adopt a fully connected digital enterprise model.

Core solution areas include:

• Digital sales and distribution platforms
• Referral and marketing automation systems
• Claims and customer service portals
• Agency and commission management solutions
• AI-powered chatbots and robo-advisors
• Predictive analytics and machine learning models

Early Challenges & Growth Journey

In its early years, 121Advisor faced the challenge of market readiness, as digital transformation within banking and insurance was still at a nascent stage. By 1992, the company successfully onboarded key clients and delivered multiple solutions on time—marking a turning point in its growth.

These early implementations laid the foundation for long-term partnerships and accelerated adoption across the financial services ecosystem.

What Drives Long-Term Success

The sustained success of 121Advisor is rooted in continuous innovation and long-term client support. Over the past decade, the company has expanded its customer base while consistently enhancing its platforms with new modules and capabilities—ensuring clients remain competitive in a rapidly changing digital landscape.

Customer-First Connected Digital Framework

All 121Advisor solutions are built around a unified Customer-First Connected Enterprise Digital Framework, enabling organizations to:

• Create and manage customer personas
• Automate marketing workflows using rule-based triggers
• Deliver personalized content and product recommendations
• Integrate sales, marketing, servicing, and analytics into a single ecosystem

This framework helps financial institutions move away from siloed systems toward a fully connected, data-driven digital experience.

Key Products & Platforms

Predictive Analytics & Machine Learning

Advanced analytics used for churn prediction, product recommendations, underwriting intelligence, and customer lifecycle management.

FITbot – Multi-Lingual Chatbot & Robo-Advisor

An AI-powered conversational platform using NLP and hybrid decision trees to deliver personalized financial guidance and generate referrals.

WebPoS – Web Portal for Sales & Servicing

A multi-lingual, mobile-responsive portal that unifies content, sales, marketing, and service operations.

ReMMA – Referral Management & Marketing Automation

Automates lead assignment, referral tracking, conversion workflows, and targeted campaign execution.

SAMA – Sales Activity Mobile App

Empowers agents and managers to plan, track, and optimize sales activities in real time.

CeMD – Community & E-Worksite Distribution

A community-driven engagement platform designed to build trust, improve retention, and nurture long-term customer relationships.

Enterprise Product Configurator (EPC)

Accelerates insurance and takaful product launches through configurable pricing, validation engines, and automated testing.

Multi-Channel Distribution Management (McDMS)

Supports agencies, brokers, and IFAs by centralizing operations, performance tracking, and compensation management.

Mobile Point-of-Sales (TIMMS)

Cross-platform PoS applications enabling digital quotations, proposal submissions, and contact management.

Choices Online Store (COS)

A direct-to-consumer digital storefront for insurers and takaful operators, integrated with chatbots and referral automation.

Customer Self-Service Portal (CSSP)

Enables customers to manage profiles, policies, renewals, service requests, and complaints—reducing operational costs.

Innovation During the Pandemic

The global COVID-19 pandemic accelerated digital adoption across financial services. 121Advisor responded by enhancing online sales platforms, eKYC integrations, AI-based underwriting, fraud detection, and automated customer engagement—helping clients remain operational and competitive during uncertain times.

u12know – Empowering Financial Literacy

In September 2020, 121Advisor launched u12know, a community-driven knowledge and advisory portal designed to improve financial literacy and personal wellness among Southeast Asian millennials.

The platform enables users to:

• Learn about personal finance and wellness
• Engage with advisors and community members
• Access lifestyle-based financial planning tools
• Purchase relevant products and services

u12know has already onboarded thousands of users in Malaysia and is being rolled out across Southeast Asia with multi-lingual support.

Leadership Insight

Kevin Steer, CEO of 121Advisor, brings over two decades of experience in designing and implementing large-scale FinTech and InsurTech solutions across Asia-Pacific, including Malaysia, India, and China.

With a strong academic background in engineering, computing, and artificial intelligence, his career spans advanced AI research, enterprise consulting, and leadership roles with global technology organizations.

His vision continues to shape 121Advisor’s focus on AI, machine learning, automation, and scalable digital platforms.

Team & Culture

121Advisor’s strength lies in its multidisciplinary team with deep expertise in financial services, insurance processes, and technology architecture. The organization fosters a collaborative, learning-driven culture focused on innovation, domain knowledge, and continuous improvement.

Looking Ahead

121Advisor remains committed to monitoring emerging FinTech and InsurTech innovations and translating them into practical, enterprise-ready solutions for banks, insurers, and takaful operators.

By continuously evolving its platforms and expanding into new markets, the company aims to remain at the forefront of digital transformation in financial services.