By FINTECH Books Contributor, Ralf Heim  Follow: @RalfHeim “Financial Products are sold, not bought.” We often got that feedback presented as an“ugly truth” these days. So, do we still believe that new digital applications, automated low cost financial products and regulatory requirements change investment management? If so, how can a shift from an intransparent, provision-biased market that has been created around financial uneducated and also uninterested customers look like? Interconnectedness, algorithmic intelligence and value creation. How will Robo Advice Software look like in 3 years? Strategic rationales and on why each bank is different. Why will every Bank, Insurer and Asset Manager offer Robo Advice within the next 3 years? The effects of services that can analyse your existing portfolio, insurance products and other assets and give you feedback on the risks, returns and costs. What will be the customer reactions? Recent regulations provider strategies currently trigger the effect that Life Insurance, Pensions and other “products” move closer towards asset management. How will they look like and how will we access them? What are the products in 5 years we will invest into? Who will provide asset management services in the future? What might be the role of Banks, Insurers, Researchers, Asset Managers, Corporates, Funds and Technology Companies? And will Tech Giants (GAFA) join asset management?

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