How Robo Advisers, Fintech Are Revolutionising Wealth Management. A Reflection and presentation about trends and ideas related with the topic and what is happening in the industry

1. Dinis Guarda, Founder and CEO
dinis.guarda@ztudium.com
Twitter: @dinisguarda
ztudium.com
Publisher:
How Robo Advisers, Fintech
Are Revolutionising
Wealth Management

2. “The financial services industry has been visibly
transformed by software over the last 30 years.
Practically every financial transaction, from
someone buying a cup of coffee to someone
trading a trillion dollars of credit default
derivatives, is done in software. And many of the
leading innovators in financial services are
software companies (…).”
Marc Andreesen, in WSJ

3. Every individual =
Media + Data + Financial +
Geek “Company”
Every Business =
Media + Data + Financial +
Innovation + tech Company!

6. the rise of financial technology and its growing impact on
the global banking industry. Wealth managers are standing
at the epicenter of a tectonic shift, as the balance of power
between offering and demand undergoes a dramatic
upheaval. Regulators are pushing toward a 'constrained
offering' norm while private clients and independent
advisors demand a more proactive role; practitioners need
examine this banking evolution in detail to understand the
mechanisms at work.
Paolo Sironi, FinTech Innovation: From Robo-Advisors to Goal Based
Investing and Gamification (The Wiley Finance Series), August 29, 2016.

7. 7
Fintech Revolution – Finance - Big Data – Content
Discovery, Insights, Decision, Action

8. Understand your audience
Discovery, Insights, Decision, Action

9. Tech companies and countries
Cash reserves tech companies and countries
2015
2013

10. Billionaires in the world
source Wealth-X 2014 / UBS

11. Information asymmetry has dominated the banking
industry for centuries, keeping the bank/investor liability
neatly aligned—but this is changing, and understanding
and preparing for the repercussions must be a top priority
for wealth managers everywhere. Financial Innovation
shows you where the bar is being re-set and gives you the
insight you need to keep up.
Paolo Sironi, FinTech Innovation: From Robo-Advisors to Goal Based
Investing and Gamification (The Wiley Finance Series), August 29, 2016.

12. Industry Landscape

13. 7 Trends for Wealth Management /
Robo Adviser?
1. New products and the emergence of ETFs and closed-end products.
2. Asset Management – Talent Retention.
3. Asset Management – Distribution Strategy in a new Digitalised
World.
4. Asset Management – Cloud base solutions and infrastructure.
5. Asset Management – Emergence of Robo-Advisors..
6. User Experience, UI, UE, Big data and the IOE touching the Asset
Management industry.
7. Cyber Security and Asset Management.

14. What do you mean by Robo Adviser?

15. How do you manage Robo Adviser?

16. Robo Adviser business landscape
numbers?

17. Wealth Management Space –
Robo Adviser?

18. A trading interruption occurred [intentionally] on Friday, June 24th, for New York-based Betterment, a
robo-advisory firms with $5 billion in Assets under Management (AuM), as the firm decided to override
its robots in an effort to protect clients the day after Brexit.
Yet, financial markets had operated efficiently, even as circuit breakers were triggered at some venues,
there was no fall-out or firms going out of business, even as record volatility and price moves were
reached for various securities.
Not so robo
Robo Adviser and Black Swans?

19. Blockchain, in its ideal incarnation, promises to revolutionise the way we transfer and store our
most valuable assets.
It is transforming financial services and the speed and security with which we conduct transactions, as well as
simplifying legal processes (via self-executing smart contracts), enhancing healthcare records and tightening national
security.
New research from specialist outsourced services provider SEI suggests that 70 percent of decision makers in wealth
management firms have not allocated specific resources to considering blockchain and the impact it could have on
their business.
Global lenders including Citigroup, UBS, Barclays and Santander, are now experimenting with the technology to see
how it can reduce costs and mitigate the risks within their own transactions.
“Blockchain is an intimidating topic and there’s a lot to manage between the promises and the
delivery. It promises a profound transformation in work flows, reduction of capital risks, greater
security and, ultimately, it could lead to many cost efficiencies for wealth management.”
Susan Ramonat, blockchain program lead and chief risk operator at SEI.
Blockchain and Wealth Management?

20. CompaniesWeb & mobile
set of applications
creates - surface real-time data, actionable insights, content (articles, hashtags,
videos & conversations) and influencers for their sectors
extract business specific
intelligence with actionable
insights
What Strategy? Big Data – Content
Discovery, Insights, Decision, Action

21. 1. Peer to peer investment, trading and funding are
going to be more powerful for Hedge Funds and
the Investment industry;
2. Retail Vs. Institutional investment / trading
communities;
3. Proliferation of trading and investing niche
influence communities;
4. The advent of blockchain digital identity ledgers
- digital currencies and global decentralised
organisation;
5. Big data / Social Media driven disruption,
platforms and social – creating social disruption
Trump - Brexit;
10 Trends for Wealth Management /
Robo Adviser?

22. 6. Increase of mobile and App UX / UI platforms
adapted with local, regional, national context and
technologies;
7. Technical digital semantic platforms based in
interest sentiment and algorithms for investors and
traders;
8. The way we share value associated with the
concept of how (big) data and offshore, open
government regulations;
9. The way open data and innovation are
transforming countries, emergent markets, laws and
business strategies;
10. The idea of thought leadership groups
supporting each other and creating premium digital
organisations, cities.
10 Trends for Wealth Management /
Robo Adviser?

23. TAILORED TECH, FINTECH, BLOCKCHAIN EXPERTISE AND PRODUCTS
THOUGHT LEADERSHIP AND TECH MEDIA PUBLISHERS
BOUTIQUE CONSULTANCY
DIGITAL DEVELOPMENT 360:
SEO, SOCIAL, WEB, MOBILE AND APPS
INNOVATION AND SEO PLUS SOCIAL MEDIA DNA
PROPRIETARY TECHNOLOGY – ALGORITHMS AND IP SOCIAL TOOLS
CONTACT
Dinis Guarda, Founder & CEO
dinis.guarda@ztudium.com
ztudium.com
Publisher:
intelligenthq.com – openbusinesscouncil.org –
blockchainage.com - hedgethink.com – tradersdna.com