Prepared for Customer Experience · Sharesies · Aotearoa New Zealand
The closed market · a concept

You invested at 9pm.
The market opens
in eleven hours.

A million people invest with you, and a great many of them press the button at night, because that is when people have time. What happens next is the least explained eleven hours in the product. This is a concept for that gap — not advice, and not a nudge. Just an honest answer to what is about to happen.

“Unite your wealth to work as one.”

Sharesies · sharesies.nz, July 2026
See the moment
01 — THE WAIT
A Tuesday, 9:20pm

The order that has not happened yet

Someone puts money into their first investment. The confirmation says it is queued. They do not know what price they will get, when it will actually happen, whether they can change their mind, or what the number on their screen will mean in the morning. So they refresh. Some of them cancel out of uncertainty rather than intent.

You have more than a million customers and $12 billion+ of wealth on the platform, and a 4.7/5 app rating from over fourteen thousand reviews. At that scale the unexplained wait is not an edge case — it is a nightly event happening to a lot of first-time investors at once.

Live — the wait itself, not a picture of it. It stops to ask you one thing.

What happens now

A queued state and a lot of refreshing. The information that would settle it exists; it has just never been assembled into an answer.

What it costs

A first investment is the one most likely to be abandoned, and uncertainty at 9pm is indistinguishable from second thoughts.

What the concept does

Explains what will happen at open, in their own numbers, and stops. It never suggests what to buy or whether to.

Not one wait — a family of them

Every investing moment, one pattern.

Each of these is a moment your customer already spends with you. Each can carry what the phone above shows: watch the work, earn the wait, answer one thing.

Joinfive minutes
The transferup to ten days, visible
Landedthe first slices
Auto-investthe habit, set
The dipexplained, not soothed
The decadeswatched, kept
01 — INTENT SIGNALThe agent detects the waitWhat the customer is waiting for, and why it matters right now.
02 — HONEST DURATIONHow long, truthfullyReal steps, real progress. No fake bars, and never a wait stretched to fill.
03 — VALUE DELIVERYSomething worth the minutesThe work shown as it happens — useful, short, skippable.
04 — VALUE EXCHANGEThe wait paysThe customer earns as they watch, and one optional question comes back the other way.

Be relevant — right thing, right moment · Be respectful — short, skippable, quiet by design · Be measurable — real impact, on the record · Be Aotearoa — built here, for how Kiwis actually wait

tier 01 · this concept, liveThe assembling loaderThe wait shown, the wait paid — what this page runs.
tier 02 · the pathThe sponsored chat lineA labelled co-pilot behind this journey, stepping forward only with found value.
tier 03 · the pathThe joint-venture UIA shared surface with your partners — every action still ends in a human approval.
02 — EVERY WAITING MOMENT

Every waiting moment in an investing journey

Six waits between opening an account and holding for decades. The ID check, the transfer, the queued order, the red week.

01
The sign-up checkWhile your ID is verified
9:41
We are checking your ID
Standard for everyone opening an account.
Nothing you can do to make it faster.
no action needed
the wait feels like the pause where you wonder if you have been turned down

The pause gets named as routine, so a new customer does not read silence as a problem.

who funds itFunded by the business, because a half-finished sign-up is one it already paid for and did not get.
02
The money in transitFrom your bank or old fund
9:41
Where your money is today
Sold down at your old provider.
Middle leg now. We will show each step.
step 2 of 3
the wait feels like days where it exists nowhere you can actually see

The dark days of a transfer get a position, so nobody assumes their money has gone missing.

who funds itFunded by the business — a customer who cannot see their money rings someone about it.
03
The queued orderPlaced, market not open
9:41
Your order is queued
Nothing happens until this market opens.
Why the price is not known yet.
How to change your mind, and until when.
no order placed
the wait feels like refreshing at 9pm for a number that cannot exist yet

The customer learns why a price cannot exist yet, so uncertainty stops looking like a fault.

who funds itFunded by the business — a first investment cancelled out of confusion is the worst one to lose.
04
After it fillsDone, and still settling
9:41
Filled. Here is the price.
What you paid, and why it differed.
Settling now. Normal, and not instant.
price explained
the wait feels like a number on the screen you cannot yet explain

The gap between what they expected and what they got is explained, rather than left to be discovered.

who funds itFunded by the business, because an unexplained price is where a complaint starts.
05
The red weekWhen the number goes down
9:41
It is down. Here is why.
What moved, in plain words.
Nothing here tells you what to do.
not advice
the wait feels like the specific 11pm urge to press sell

A fall gets an explanation instead of a silence, and the concept refuses to say what anyone should do about it.

who funds itFunded by the business, because the alternative is a customer deciding at 11pm with nothing but a red number.
06
The long horizonKiwiSaver, for thirty years
9:41
Nothing needs you today
Contributions in. Nothing to decide.
Here is what changed since you last looked.
set and left
the wait feels like a balance you check twice a year and never understand

The longest wait in the journey gets a short, honest update instead of decades of nothing.

who funds itFunded by the business — a member who understands their own account does not switch on a whim.
How the moment works

Four steps, every time.

  1. The signalSomething in your own systems says a person is now waiting, and roughly how long for.
  2. The predictionHow long this one will really take — not the average, this one.
  3. The valueSomething worth their attention goes into that window: an answer, a credit, a thing prepared while they wait.
  4. The exchangeThey get value. You get a customer who stayed, and one optional answer you have always wanted.
the value exchange, playable
you earned
for the the pause where you wonder if you have been turned down you were going to lose anyway

This is the reward layer, running for real on this page. Drag to scratch it. Nothing is collected, nothing is sent — it is here so the idea is something you do, not something you read.

This is not a new idea — it is an unbuilt one.

US retailers lose an estimated $37.7 billion a year to customers who abandon because of long queues, split roughly $15.8b to competitors and $21.9b abandoned outright (Adyen with 451 Research). The New York State Department of Labor reported a 48% reduction in hang-ups after introducing virtual queuing. Theme parks moving to virtual queues reported a 36% lift in per-capita spending, because guests spent the wait somewhere that sold something. A Seattle-Tacoma Airport study found 63% of passengers said they shopped or ate more because they saved time in the security queue.

Every figure on this page carries its source. Overseas figures are shown as overseas figures — we have not found a published New Zealand equivalent, and we will not invent one.

03 — THE WORK, PREPARED
The same situation, four ways

One queued order. Four states of the same wait.

The same eleven hours, explained four ways. Not one of these outputs recommends an investment, projects a return, or encourages a trade — that is licensed advice, and this concept stays firmly outside it.

WHY THIS ISN'T A TEMPLATE

A template sends the same thing to everyone and changes the name. What matters here is the case that should get something different — or nothing at all.

The rules beside each draft are placeholders. A pilot replaces them with your actual policies. We have not seen those, and this concept does not guess at them.

Nothing here sends
Every draft goes to a named person. No channel is connected by this concept.
04 — THE GUARD
Before a person ever reads it

The checks that run before anything reaches an investor

Everything interesting about this concept sits outside the advice boundary, and the guards are where you can check that it stays there.

Drafts are held against the fair-dealing and financial advice provisions of the Financial Markets Conduct Act 2013, FMA fair-outcomes guidance, the Privacy Act 2020, and the Fair Trading Act 1986.

Press run to see what it catches — and what it refuses to produce at all.

05 — THE ROOM
Where you watch it work

One room. Your people, your agents, every action on the record.

Every concept on this page would run inside a private room like this: your team and the agents in the same space, drafts appearing with receipts, a named person saying yes. It runs on infrastructure you approve — and what is said in the room stays in it.

Sharesies · pilot roomprivate · yours
D
Drafter agentDraft ready for this morning’s enquiry — prepared from your own rates and rules. Nothing has been sent.
receipt sources: your rate card · rules: yours · held for approval
O
Operations youApproved — send the standard version.
K
Keeper agentSent and filed. The record shows who asked, what was used, and who said yes.
the record — readable, kept
09:02 draft prepared from your sources
09:06 approved by a named person
09:06 sent · receipt filed

Client information stays in your room. Six months later, “where did this come from?” is one line, not a search.

Yours

Runs where you approve — your own room, your own record. Nothing in it leaves it.

On the record

Every agent action lands as a line a person can read — not a log only a vendor can open.

People decide

Drafts wait for a named person. The room shows who said yes, and when.

This panel is a concept picture, not a live room — a pilot stands up the real one, on infrastructure you approve.

06 — ON ONE SCREEN
Nothing here has been sent

The queue, before anything sends

Illustrative and fictional. No production access is requested by this concept.

OrderCountPreparedWaiting onStatus
First investment, market closedFull explanation, no view offeredCX sign-offAwaiting approval
Experienced, holiday shifts openShort form, the one odd factCX sign-offAwaiting approval
Order sits in a Kids AccountNothing to the child’s viewThe adult on the accountHeld — rerouted
Placed and cancelled twice tonightNothing drafted, nothing queuedNobody — deliberatelyHeld — no message
Market currency differs from accountExplanation drafted, no FX quotedCX sign-offAwaiting approval
Identity verification incompleteExplanation heldVerificationParked

Counts are deliberately blank. This concept has no Sharesies data and does not estimate how many orders anything affects.

07 — HOW IT WAS MADE
Mana Receipt

Every draft carries its own working.

Not a log somebody has to go and find. The provenance travels with the work — what it read, which rules it held, who must approve it, and what it refused to do.

This matters most on the day someone asks why it said what it said.

Mana Receipt · draft
Artefact
Queued-order explanation — first investment, market closed
Read
Published scale, market and product facts from sharesies.nz · order fields: instrument market, order state, account type, first-investment flag, cancellation count. No holdings. No balances. No bank data.
Rules held
Financial Markets Conduct Act 2013 fair dealing and financial advice regime · FMA fair-outcomes guidance · Privacy Act 2020 · Fair Trading Act 1986
Refused
No financial advice was given. No price was estimated and no return projected. No urgency or social proof was used. Nothing was addressed to a Kids Account, and nothing was drafted for someone who had cancelled twice.
Approver
A named person. Unsent until then.
Prepared
Reference
09 — WHAT WE ARE ACTUALLY ASKING
The boundary

What this will never do

It does not send. It prepares, and a named person sends. It does not publish to any channel, commit spend, move money, or make a decision that belongs to a person. It does not pretend to be a person — every draft says it was prepared by a machine and approved by a human.

No production access is requested by this concept.

The pilot ask
1

Scope

One moment: the queued-order explanation for opted-in investors when the relevant market is closed. Six weeks. Not advice, not pricing, not order routing, not KiwiSaver, not the trading engine.

2

Access

Your published product facts and market calendars, plus the field names for order state, instrument market, account type and first-investment flag. No holdings. No balances. No bank data. No investor records leave your systems.

3

Scorecard

Orders that survived to open without a cancellation driven by uncertainty. Support contacts about "what happens next" avoided. Held cases a person agreed should have been held. And whether a compliance reviewer can read every draft without reaching for a red pen.

Fail any line of the scorecard and we change the design or stop.

Before you decide

What a pilot actually asks of you.

Written out in full, because the honest version of this is short and most of it is your time, not your money.

01

One named person

The approver. Every draft stops with them and nothing reaches a customer until they say so. Expect about two hours a week — reading drafts, not managing a project.

02

One situation, not the business

One moment: the queued-order explanation for opted-in investors when the relevant market is closed. Six weeks. Not advice, not pricing, not order routing, not KiwiSaver, not the trading engine.

03

Read-only access, nothing that writes

Your published product facts and market calendars, plus the field names for order state, instrument market, account type and first-investment flag. No holdings. No balances. No bank data. No investor records leave your systems. No production credentials, no write permissions, no access to anything the pilot does not need.

04

Your actual rules

The policies, limits and words the drafts must be held against. Every rule on this page is a placeholder standing in for yours. An afternoon with whoever owns them is usually enough.

05

Six weeks, then a real decision

Scored on: Orders that survived to open without a cancellation driven by uncertainty. Support contacts about "what happens next" avoided. Held cases a person agreed should have been held. And whether a compliance reviewer can read every draft without reaching for a red pen. Fail any line of that and we change the design or stop. You keep everything drafted either way.

06

A fixed fee, agreed in writing first

No number is published on this page, because it depends on which situation you pick. Whatever it is, it is agreed before any work starts and it does not move.

The straight yes

Run the pilot.

Say yes to the six weeks above, and add anything you would change first. Nothing here is fixed — most pilots move a line or two before they start, and the notes below are how that happens.

Opens your mail app to assembl@assembl.co.nz with your notes in it. Nothing is collected by this page.

You would be accepting
  • Six weeks, one situation, scored against a written line
  • Read-only access, nothing production
  • A named approver — nothing sends without them
  • A fixed fee, agreed in writing before anything starts
  • Stop any time. You keep what was drafted
This is a concept page. Accepting it starts a conversation and a written scope — not a charge, not an obligation.
Or three other honest answers

Pick a verb.

Not “book a demo”. Any of these is a real next step, and the last one is a perfectly good answer.

The unfinished pane

What is the one constraint we have got wrong?

Every concept is built from the outside. There is always something about how Sharesies actually runs that we could not see. One line is enough.

Opens your mail app to assembl@assembl.co.nz. Nothing is collected by this page.

Sharesies concept · it will say when it doesn't know