Dinis Guarda, Founder and CEO dinis.guarda@ztudium.comTwitter: @dinisguardaztudium.comPublisher:

How Robo Advisers, Fintech Are Revolutionising Wealth Management

“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

Every individual = Media + Data + Financial + Geek

“Company”

Every Business = Media + Data + Financial + Innovation + tech Company!

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

Fintech Revolution – Finance - Big Data – ContentDiscovery, Insights, Decision, Action

Understand your audienceDiscovery, Insights, Decision, Action

Tech companies and countriesCash reserves tech companies and countries

20152013

Billionaires in the world

source Wealth-X 2014 / UBS

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.

Industry Landscape

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.

What do you mean by Robo Adviser?

How do you manage Robo Adviser?

Robo Adviser business landscape numbers?

Wealth Management Space –Robo Adviser?

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?

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?

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 – ContentDiscovery, Insights, Decision, Action

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?

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?

TAILORED TECH, FINTECH, BLOCKCHAIN EXPERTISE AND PRODUCTSTHOUGHT LEADERSHIP AND TECH MEDIA PUBLISHERSBOUTIQUE CONSULTANCYDIGITAL DEVELOPMENT 360:

SEO, SOCIAL, WEB, MOBILE AND APPSINNOVATION AND SEO PLUS SOCIAL MEDIA DNAPROPRIETARY TECHNOLOGY – ALGORITHMS AND IP SOCIAL TOOLS

CONTACTDinis Guarda, Founder & CEOdinis.guarda@ztudium.comztudium.comPublisher: intelligenthq.com – openbusinesscouncil.org – blockchainage.com - hedgethink.com – tradersdna.com