Nice header! Feels the industry is heading in this directions, while at the same time several disruptive models may be replace old bridges with new bridges:)
At a time where in certain parts of the world there is a desire to build walls, brick by brick, to keep people out, it’s ironic that elsewhere -- not least in the global fintech space -- the mantra is all about sharing, partnering, competitive innovation and freedom of movement within a well-governed environment. That said, a number of the early digital advisory (or "robo") propositions have -- surprisingly -- been slow to recognize this sentiment, instead aiming to recreate a faster version of the conventional advice (or investment) experience -- "faster horses" syndrome. Hardly the stuff to make the big incumbents shake in their boots or lose any sleep.