Intellect Wealth Qube® has been designed to deliver the 2020 Advantage- i.e., 20% increases in Relationship Manager (RM) productivity and 20% reduction in business operating costs year-on-year. By increasing the sales productivity and lowering the operating costs, Intellect allows financial institutions to serve a larger market size. It does so by fully empowering RM to service the customer at the convenience of the customer. An empowered RM is Intellect's promise.