The democratization of personal financial advice means any consumer, irrespective of value and financial literacy, can access quality advice for free and make a non-conflicted product purchase. Enabling this requires an ecosystem built on a scalable platform to automate acquisition, advice, product fulfillment, ongoing service and risk management, at low cost and a way to make advice consumable to the mass market â€“ not requiring the typical full fact find. Decimal has developed both. Mass market consumers and product providers have not enjoyed the transformational benefits of digital disruption as none of the offers to date have created a complete ecosystem to both meet the customer needs and enable scalable business models in the market. Decimal has developed a patented approach that enables a non financially literate consumer, who has financial needs but no desire to become active and engaged, to get advice they will act on, including non-conflicted product choice and purchase, and an ongoing digital reporting service. At the same time, product providers will have open and online access to offer their products and services to the consumer creating a new digital distribution channel. Decimal enables access to the entire consumer market for personal advice, product purchase and ongoing service.