By FINTECH Books Contributor, Charles Warnock Follow: @CharlesWarnock  Like a flywheel gaining momentum, emerging tech-driven user experiences and business models are raising customer expectations – which in turn accelerate further WealthTECH innovation. But where is all this acceleration leading? Future investors seem certain to have better, faster, cheaper platforms than the fragmented offerings of traditional financial services. A huge pain point keeping many consumers from making the most of their money is the need to juggle numerous apps and websites to manage their financial lives – bank and investment accounts, credit cards, auto loans, student loans, personal loans, home loans and more. Each with its own rules, passwords and learning curve. What’s the WealthTECH experience? The promise of platforms and the “API economy” is that consumers can combine products and services for their unique financial needs, and providers can deliver far more value with integrated than standalone services. A single, holistic view of financial health and happiness for investors – and all consumers – is a great concept, but we’re not there yet. What would it look like? An interactive balance sheet? A dashboard? An App store? Some major challenges to overcome on the way to WealthTECH: – Trust and transparency – Compatibility and consistency – Ease of use – Security – Artificial and natural intelligence – Fiduciary responsibility – Performance   Will it change the world? WealthTECH looks certain to help people lead better financial lives, but how many lives can it touch? The potential is far beyond helping investors grow their portfolios. It’s an opportunity to include the Next Billion – the world’s unconnected and unbanked who are coming online each day. Democratizing finance with broader access to more services at less cost can bring unprecedented investors, ideas, and opportunities into the financial world, creating the proverbial bigger pie for everyone. After all, why stop at changing an industry when there is a chance to change the world?