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© 2016 IBM Corporation
The Three Essential E’s of a Robo-Advisor
Bharat Bhushan
Industry Technical Leader, Banking and Fin...
22 © 2016 IBM Corporation
The Happiness Chart
6.60
6.80
7.00
7.20
7.40
7.60
7.80
8.00
16 - 19 20 - 24 25 - 29 30 - 34 35 -...
33 © 2016 IBM Corporation
6.60
6.80
7.00
7.20
7.40
7.60
7.80
8.00
16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 ...
44 © 2016 IBM Corporation
Disruption with Digital
Access to all Investor Segments
A significant number of ‘underserved’ cl...
55 © 2016 IBM Corporation
Investment Scenarios and Advice
Customer Acquisition and Retention
Level of Human Contact
66 © 2016 IBM Corporation
Top three priorities
77 © 2016 IBM Corporation
Life Events and Planning
88 © 2016 IBM Corporation
Life Events and Planning
99 © 2016 IBM Corporation
Tools Available
Virtual RealityAugmented RealityScenario Modelling Cognitive Platforms
Emotional...
1010 © 2016 IBM Corporation
Periodic Table of Capabilities
Dialog
Services
NPL
Services
Relationship
Extraction
Services
S...
1111 © 2016 IBM Corporation
APIs you can use
Natural Language
Processing
Machine Learning
Question Analysis
Feature Engine...
1212 © 2016 IBM Corporation
Effects on Investors
Many more “Aha” Moments
Share data
Trust
Investments£
Personal experience...
1313 © 2016 IBM Corporation
Effects on Your Business
Scale, Growth and Profitability
Visibility and Insight
Best Actions
N...
1414 © 2016 IBM Corporation
Examples
CES 2016 IBM Keynote
1515 © 2016 IBM Corporation
https://ibm.biz/BdHCGz https://cognitoys.com
IBM World of Watson YouTube
1616 © 2016 IBM Corporation
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Three Essential Es of a Robo Advisor

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Three Essential Es of a Robo Advisor

  1. 1. © 2016 IBM Corporation The Three Essential E’s of a Robo-Advisor Bharat Bhushan Industry Technical Leader, Banking and Financial Markets bharat.bhushan@uk.ibm.com _bharat_ fintechie.co.uk
  2. 2. 22 © 2016 IBM Corporation The Happiness Chart 6.60 6.80 7.00 7.20 7.40 7.60 7.80 8.00 16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 84 85 - 90 90 and over Source: http://www.neighbourhood.statistics.gov.uk/HTMLDocs/dvc146/wrapper.html
  3. 3. 33 © 2016 IBM Corporation 6.60 6.80 7.00 7.20 7.40 7.60 7.80 8.00 16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 84 85 - 90 90 and over The Happiness Chart Vs. Individual Wealth Source: http://www.neighbourhood.statistics.gov.uk/HTMLDocs/dvc146/wrapper.html Wealth phases Happiness
  4. 4. 44 © 2016 IBM Corporation Disruption with Digital Access to all Investor Segments A significant number of ‘underserved’ clients can now access investment management services that were only available to the rich. Affordable and Transparent A clear and ‘all inclusive’ tiered cost structure; customers know exactly how much they will be paying for. Digital Innovation Design thinking techniques to develop world-class systems of engagement; agile devOps; automating and standardising business processes.
  5. 5. 55 © 2016 IBM Corporation Investment Scenarios and Advice Customer Acquisition and Retention Level of Human Contact
  6. 6. 66 © 2016 IBM Corporation Top three priorities
  7. 7. 77 © 2016 IBM Corporation Life Events and Planning
  8. 8. 88 © 2016 IBM Corporation Life Events and Planning
  9. 9. 99 © 2016 IBM Corporation Tools Available Virtual RealityAugmented RealityScenario Modelling Cognitive Platforms Emotional Intelligence Interactive Systems FinTechBig Data and Analytics
  10. 10. 1010 © 2016 IBM Corporation Periodic Table of Capabilities Dialog Services NPL Services Relationship Extraction Services Semantic Expansion Services Ingestion Services Question Interceptor Services Factoid Services Passage Services Document Services Definition Services Entity Based Services Out of Bounds Services Procedural Services Answer Assembler Services Visualization Services Image Analytics Video Services Speech to Text Services Text to Speech Services Visualization recommenda tion services Training Services Smart Metadata Services Search Services Spell Services Type Ahead Services Auto Complete Services Summarizat ions Services Machine Translation Services Language Identificatio n Services Concept Expansion Services Graph Services Concept Maps Services Message Resonance Services Personality Insight Services Social Resonance Services Personaliza tion Services Entity Compilation Services Text Analytics Services Concept Analytics Services Precision Analytics Services Interceptor Services Deep Parser Services Ranking Services
  11. 11. 1111 © 2016 IBM Corporation APIs you can use Natural Language Processing Machine Learning Question Analysis Feature Engineering Ontology Analysis 5 Question and Answer Directresponses to users inquiries fueled by primary document sources Relationship Extraction Intelligently finds relationships between sentences components (nouns,verbs, subjects,objects) Dialog Enable applications to use natural language to respond and interact with users Alchemy Language Analyze text to understand sentiment,keywords, entities,high-level concepts and more Personality Insights Understand and engage users on their own term based on their personalities and values Concept Insights Locate relevant documents thatmay notdirectly mention your query Concept Expansion Maps euphemisms or colloquial terms to more commonly understood phrases Language Translation Identify language text and dynamically translate to another for specific domains Tone Analyzer Understand emotional, social and writing cues from inputtextwith suggestions for improvement Document Conversion Convertdocuments to HTML,Plain Text, List of Answer Units needed by Watson Services Natural Language Classifier Easily create machine learning,natural language interfaces Retrieve and Rank Combine search and machine learning algorithms to enhance information retrieval Alchemy Vision Integrate image cognition to understand a picture’s contentand context Visual Insights Enhance customer view through insights extracted from analysis of online photos and videos AlchemyData News Integrate image cognition to understand a picture’s contentand context Tradeoff Analytics Make better choices under multiple conflicting goals with smartvisualizations & recommendations Visual Recognition Analyzes the visual appearance of images or video frames to understand whatis happening Speech to Text Provides highly accurate,low latency speech recognition capabilities Text to Speech Synthesizes natural-sounding speech from text Author Extraction Keyword Extraction Feed Detection Taxonomy Face Detection Answer Generation Q&A Qualification Knowledge Graph Risk Stratification Policy Identification Knowledge Canvas Fusion Q&A Emotion Analysis Case Evaluation Entity Extraction Language Detection Image Link Extraction Text Extraction Statistical Dialog ConceptTagging SentimentAnalysis Image Tagging Answer Generation Knowledge Studio Video Augmentation Usage Insights Factoid Pipeline Decision Support Decision Optimization Criteria Classification Knowledge Canvas Easy Adaptation Language Speech Vision Data Insights Coming soon The Watson that competed on Jeopardy! in 2011 comprised what is now a single API - Q&A - built on five underlying technologies. Since then, Watson has grown to a family of 28 APIs. By the end of 2016, there will be nearly 50 Watson APIs - with more added every year https://ibm.biz/BdHDyT
  12. 12. 1212 © 2016 IBM Corporation Effects on Investors Many more “Aha” Moments Share data Trust Investments£ Personal experience Educated Engaged Enlightened
  13. 13. 1313 © 2016 IBM Corporation Effects on Your Business Scale, Growth and Profitability Visibility and Insight Best Actions New offerings, Products and Partnerships Richer Datasets
  14. 14. 1414 © 2016 IBM Corporation Examples CES 2016 IBM Keynote
  15. 15. 1515 © 2016 IBM Corporation https://ibm.biz/BdHCGz https://cognitoys.com IBM World of Watson YouTube
  16. 16. 1616 © 2016 IBM Corporation

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