Capital.com shares some data insights about its machine learning effort.
Flickr
Since its launch, Capital.com has emphasized that the company is focusing on developing an AI assistant to traders. The firm has been developing machine learning techniques to optimize the experience of its clients.
The company’s CEO, Ivan Gowan, shared with Finance Magnates some insights on trading behavior and on the demonstrated potential of AI-assisted trading. With the clear conclusion that traders aren’t perfect, becoming more aware of your own mistakes can make a difference.
Highlighting the conflicts between the cortex and the limbic system in our decision-making process, Capital.com’s CEO explains a dilemma that all traders face one time or another.
Ivan Gowan, CEO of Capital.com
“When we trade, rational and irrational parts of our brains work simultaneously: we consciously make decisions that we believe to be rational while under the influence of external – and often unrecognized – forces,” Gowan explained.
Majority of Trades Profitable
The company’s research shows that the majority of trades made by clients are profitable. This runs contrary to the popular belief that retail traders are wrong more frequently than not. It also runs contrary to the dismal profitability disclaimers that brokers had to start publishing in August.
Capital.com's CEO shares that in one particular case, a trader has been correct in predicting the EUR/USD price on 61% of occasions. With an average loss of 48 pips, however, he was doomed to fail as his average losing trade was worth 83 pips.
The company’s goal has been to be able to limit the number of its clients that lose money. The AI system of Capital.com that analyses trading behavior is capable to identify over 50 biases that commonly – and unknowingly – affect traders.
Based on psychology and user behavior within the app, the AI assistant provides personalized feedback, tips, and solutions. “Because our AI system is iterative, we are constantly making changes to the system to help it to help you to make better trading decisions,” Gowan elaborated of the company’s machine learning-based app.
Is the AI System Helping Clients?
“Since introducing our AI system in 2017, the outcome is unmistakable: more of clients are keeping their hard-earned profits than ever before,” says Gowan.
In another data collection effort, the company analyzed all clients who opened more than 10 trades between May and August. On average, unsuccessful traders held losing positions 4.7 times longer than profitable traders. This set of data confirmed that the human mind keeps playing tricks on traders.
Thousands of years of evolution have resulted in the human brain adopting an automated decision to delay losses and take profits quickly. Any experienced financial markets professional will tell you that in order to succeed you must do the opposite. The phenomenon is called disposition bias.
“In a situation like this, the use of machine learning to suggest relevant educational material and target traders who showed signs of the disposition bias in their trading activity means we are able to help our clients learn from their decisions and improve their entry and exit points in the future,” Gowan said.
Traders adopting stop losses, are faring better
He further elaborated on a key metric valid for clients of Capital.com. Only 30 percent of the broker’s clients use stop-loss orders. Adopting a stop-loss of two percent of capital, the company modeled that time spent on losing positions would decrease 2.16 times when compared to winning ones.
In addition, the same stop-loss modeling shows that only 13.3 percent of clients would experience a margin close-out – compared to the 51 percent who saw margin close-outs occur in reality.
“By analyzing trading behavior in this way, we are helping traders in these situations by sending them personalized messages to remind them of the ability to set stops on their trades, helping them to profit,” the CEO of Capital.com explained.
Broker-Client Relationship Optimisation
Aside from assisting clients, the AI system in place at Capital.com also helps the brokerage to provide them with more relevant information. The company is aiming to deliver to traders only information which they might find interesting.
“The AI system helps us to group users based on their location and the markets they are most interested to enable collaborative filtering, which allows us to offer insights on a cluster of markets that are traded by similar uses in a particular geographical area,” Gowan shared.
While during the years, data analysts might have been able to deliver some insights on client segmentation, machine learning is taking brokerage operations to the next level.
The necessity for a differentiating product on part of brokers is key to success in the new global regulatory environment. With technology being the main differentiator in this industry, the likelihood that you might need to harness machine learning to improve your offering to clients is getting higher.
FX and CFDs broking has become a more capital-intensive business. Just like the old times, the best way to invest is still into people and technology, so be careful not to put all your eggs in one basket.
Since its launch, Capital.com has emphasized that the company is focusing on developing an AI assistant to traders. The firm has been developing machine learning techniques to optimize the experience of its clients.
The company’s CEO, Ivan Gowan, shared with Finance Magnates some insights on trading behavior and on the demonstrated potential of AI-assisted trading. With the clear conclusion that traders aren’t perfect, becoming more aware of your own mistakes can make a difference.
Highlighting the conflicts between the cortex and the limbic system in our decision-making process, Capital.com’s CEO explains a dilemma that all traders face one time or another.
Ivan Gowan, CEO of Capital.com
“When we trade, rational and irrational parts of our brains work simultaneously: we consciously make decisions that we believe to be rational while under the influence of external – and often unrecognized – forces,” Gowan explained.
Majority of Trades Profitable
The company’s research shows that the majority of trades made by clients are profitable. This runs contrary to the popular belief that retail traders are wrong more frequently than not. It also runs contrary to the dismal profitability disclaimers that brokers had to start publishing in August.
Capital.com's CEO shares that in one particular case, a trader has been correct in predicting the EUR/USD price on 61% of occasions. With an average loss of 48 pips, however, he was doomed to fail as his average losing trade was worth 83 pips.
The company’s goal has been to be able to limit the number of its clients that lose money. The AI system of Capital.com that analyses trading behavior is capable to identify over 50 biases that commonly – and unknowingly – affect traders.
Based on psychology and user behavior within the app, the AI assistant provides personalized feedback, tips, and solutions. “Because our AI system is iterative, we are constantly making changes to the system to help it to help you to make better trading decisions,” Gowan elaborated of the company’s machine learning-based app.
Is the AI System Helping Clients?
“Since introducing our AI system in 2017, the outcome is unmistakable: more of clients are keeping their hard-earned profits than ever before,” says Gowan.
In another data collection effort, the company analyzed all clients who opened more than 10 trades between May and August. On average, unsuccessful traders held losing positions 4.7 times longer than profitable traders. This set of data confirmed that the human mind keeps playing tricks on traders.
Thousands of years of evolution have resulted in the human brain adopting an automated decision to delay losses and take profits quickly. Any experienced financial markets professional will tell you that in order to succeed you must do the opposite. The phenomenon is called disposition bias.
“In a situation like this, the use of machine learning to suggest relevant educational material and target traders who showed signs of the disposition bias in their trading activity means we are able to help our clients learn from their decisions and improve their entry and exit points in the future,” Gowan said.
Traders adopting stop losses, are faring better
He further elaborated on a key metric valid for clients of Capital.com. Only 30 percent of the broker’s clients use stop-loss orders. Adopting a stop-loss of two percent of capital, the company modeled that time spent on losing positions would decrease 2.16 times when compared to winning ones.
In addition, the same stop-loss modeling shows that only 13.3 percent of clients would experience a margin close-out – compared to the 51 percent who saw margin close-outs occur in reality.
“By analyzing trading behavior in this way, we are helping traders in these situations by sending them personalized messages to remind them of the ability to set stops on their trades, helping them to profit,” the CEO of Capital.com explained.
Broker-Client Relationship Optimisation
Aside from assisting clients, the AI system in place at Capital.com also helps the brokerage to provide them with more relevant information. The company is aiming to deliver to traders only information which they might find interesting.
“The AI system helps us to group users based on their location and the markets they are most interested to enable collaborative filtering, which allows us to offer insights on a cluster of markets that are traded by similar uses in a particular geographical area,” Gowan shared.
While during the years, data analysts might have been able to deliver some insights on client segmentation, machine learning is taking brokerage operations to the next level.
The necessity for a differentiating product on part of brokers is key to success in the new global regulatory environment. With technology being the main differentiator in this industry, the likelihood that you might need to harness machine learning to improve your offering to clients is getting higher.
FX and CFDs broking has become a more capital-intensive business. Just like the old times, the best way to invest is still into people and technology, so be careful not to put all your eggs in one basket.
Retail Trading & Prop Firms in 2025: Five Defining Trends - And One Prediction for 2026
Featured Videos
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
