The concept, when a certain artificial intelligence, knowing the financial situation of a person, helps him
Moreover, some startups in the West have somethingThis has already been accomplished, first of all, thanks to the development of the service of robot-rendering, in particular - the use of artificial intelligence. But this is not the whole list of innovations. What specific technologies are pushing the investment industry up, making investments even more accessible and simple for ordinary people? There are five trends among them.
This is the most popular technological trend ininvestment, according to Deloitte. According to forecasts, as early as 2020, under the control of services with robot edging will be up to $ 3.7 trillion, and by 2025 the figure will grow to $ 16 trillion.
Most often, under roboedvayzingom (from English. robo-advising (“Hightech”) is considered to be an online service, which, based on the investor’s investment goals, the amount of savings and the time required to invest money, automatically makes an investment portfolio.
How is roboking a better person - for example,financial advisor? First, depending on the level of elaboration of a robotic adviser, the decision on an investment instrument can be made much faster than a human — up to hundredths of a second against three minutes. Secondly, when analyzing a robot, it is able to evaluate whole data and news sets for a particular instrument, which is why investment advice should be much better.
In the USA, the largest private equity market,Betterment and Wealthfront are the most popular services for robo-Editing. The largest American brokers, of course, also caught up with this trend and, in parallel with the classic services, launched a robot service.
Although it feels likerobots and AI belong to the same trend, in practice it is not. Most often, robot managers use complex, but quite understandable algorithms: there is no machine learning. Even if participation in the AI system is mentioned, it is often not more than a word for marketing purposes.
However, there are robotic advisers who use AI. An example of such a project is the German startup Fincite.
Another area where AI is used ininvestment sphere is an ETF (roughly speaking, mutual funds). This refers not to ETFs that invest in companies operating in the field of AI, of which in the States, if not a hundred, then at least fifty. We are talking about ETF, which are controlled by artificial intelligence, they already exist. An example is the AI Powered Equity ETF, which invests in various US stocks and real estate funds.
In Russia, the ETF market is still in its infancy. To meet the Russian foundation, managed by artificial intelligence, is not yet possible.
HYIP around the blockchain has given the market such new investment tools as ICO or tokens. This is a real breakthrough, but we are talking about technology.
Openness and decentralization introducedblockchain technologies make the investment business as transparent and fair as possible to private investors. This may not be so relevant in the West, where financial regulators are holding the same brokers in their tight-knit hands. But it is very important for Russia and the CIS as a whole.
Here the market is flooded with various fraudulentschemes and companies, including the so-called kitchen. In financial jargon, this means brokers who do not bring customers to the market and often manipulate prices, ruining trusting investors.
In recent years, dozens of investmentblockchain-based platforms, many of which raised money for development through ICO. However, after the HYIP was asleep, units continue to develop the product. Among the few such startups is the Roobee platform.
Despite the rush around the blockchain,it seemed to be asleep, technologies are increasingly being used not only in investments, but also in the whole sphere of fintech. For example, six projects related to the crypt hit the last Forbes ranking of 50 world FINTECH startups.
Adding to technology trends that changeThe social investment industry may seem controversial. In fact, most often under social investments they consider investing money and other resources in order to achieve a positive social effect. For example, investing in African development programs.
However, in the context of this review is meantsomething else. Namely, auto-copy services (auto-follow), when any person can “connect” their investment account to the trading of another person. This is a kind of trust management service, only adapted to the social networks that have become familiar.
Everything you need to do for a privateinvestor, is to register and select a manager, a trader, based on the results of managing his investment portfolio. Money can be trusted as one, or ten or more managers. By the way, if a person feels that he does a good job of managing money on the stock exchange, the functionality of services allows him to automatically become a manager and earn money from other social network members.
Among foreign services of this kind we can name eToro (by the way, Sberbank is in the co-founders) or ZuluTrade.
This trend can not be ignored by sayinghow the investment market is changing. In the United States, multi-billion dollar companies have arisen (in terms of their value), which allow you to manage your money, primarily through mobile. These include Robinhood, Acorns or Stash.
Mobile application, of course, is not the main feature,thanks to which they achieved success. However, the ability to manage your savings from the phone is something that representatives of the Y and Z generation appreciate, which will account for half of consumer demand by 2025, according to Nielsen.
Another study, already from Accenture, has shownthat 63% (2/3) of representatives of generation Y, millennials, want to manage their money and receive recommendations on the investment portfolio specifically through the mobile. With this trend it is impossible not to be considered a market participant in order to stay afloat.
Technology changes the rules of the game evenconservative and from the boring market, as an investment. Innovations simplify everything, robots allow you to turn your head less often while managing your money.