Presented at the WMA Annual Summit 2016, Simon New explored the current world of investing and suggested ways in which the industry can take inspiration from others to enhance the client investment process through better engagement
Voice of the client - 1000 HNW and affluent investorsIRESS
IRESS, research partner to Compeer, responds to research findings of a 1000 high net worth and affluent investors. Presented at the Clients' View conference, 1st December 2016.
Colin Sloss presented 'Lifestyle goals investment planning - the evolving role of technology' at the CISI financial planners event at their London head office in January 2017.
The Paraplanners' Perspective - Technology & the Advice ProcessIRESS
The Paraplanners's perspective - from the evolution of technology to how technology has enhanced the advice process and the role of Paraplanners'. Colin Sloss outlines his thoughts at a recent CISI Paraplanner workshop.
Voice of the client - 1000 HNW and affluent investorsIRESS
IRESS, research partner to Compeer, responds to research findings of a 1000 high net worth and affluent investors. Presented at the Clients' View conference, 1st December 2016.
Colin Sloss presented 'Lifestyle goals investment planning - the evolving role of technology' at the CISI financial planners event at their London head office in January 2017.
The Paraplanners' Perspective - Technology & the Advice ProcessIRESS
The Paraplanners's perspective - from the evolution of technology to how technology has enhanced the advice process and the role of Paraplanners'. Colin Sloss outlines his thoughts at a recent CISI Paraplanner workshop.
Embedded Finance - a new $7 trillion market opportunitySimon Torrance
Embedded Finance builds on bank as a service and open banking business models to enable any organisation to generate new revenues from adding financial services to their propositions: payments, lending, insurance, investments. The market opportunity for those who enable Embedded Finance is very significant.
Many of the UK’s biggest brands understand that accessible websites and apps are good for business, but too many people treat it as a bolt-on – As well as facing legal threats organisations could be missing out on a market that is estimated at £250bn.
In this recent webinar participants heard from AbilityNet, our Accessibility Partner, as they laid out the business case for making sure that your website and apps can be used by every customer.
The session was delivered by Robin Christopherson MBE, who has been a global expert in accessibility for 20 years and regularly speaks at international tech events. He used examples to show how inclusive design can boost revenue, deliver financial savings, improve your brand and reduce legal risks. He’ll also explained how accessible apps and websites can improve the experience for every single one of your mobile users – whether they have a disability or not. He was also joined by his colleague Mark Walker. Mark AbilityNet’s Head of Marketing and Communications and has been involved in digital inclusion for 25 years.
The webinar consists of a 30-minute presentation followed by a 20 minute interactive Q&A.
SIX Paymit solution - Disruptive Payment Solution for the Swiss market powere...Walter Strametz
SIX Paymit is a payment network provided by SIX. The slide deck shows details of the solution and how long it would take for a bank to integrate the new payment method to their services.
If you want to know about fintech then you must check out this presentation. Here you will get the basic points about fintech or technology in finance. A fintech is an abbreviated form of Financial Technology. It is also used as a collective term for all the technology in the financial sector. From a technical perspective, it is the seamless integration of technology in the finance sector to produce fast, accurate & efficient solutions for both consumers and businesses.
We are excited to share with you our thoughts on financial technology ecosystem in 2017 and 2018. Please feel free to reach out to us if you would like a more detailed report.
Are you looking to learn more about banking API? Check the slides Kontomatik has used to describe the benefits of financial data aggregation and its technology in particular during FinDEVr conference in San Francisco in September 2015.
Presentation of DNB Open Banking held at Nordic Finance Innovation's member meeting in Oslo on February 1st 2018.
Event details: https://mailchi.mp/bd5f7d12c9bb/member-meeting-february-1-bankfintech-partnerships?e=e55c296881
Keynote (original): https://www.dropbox.com/s/yofjegqkzgyul6v/180201%20-%20Open%20Bank%20-%20Nordic%20Finance%20Innovation.key?dl=0
Self-playing video of the presentation on Youtube: https://youtu.be/RfxjEaNHJqM
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
What does FinTech really mean for 2017?
We've outlined 6 of the hottest trends to look out for in the coming year,
The Top 6 FINTECH TRENDS for 2017 by Safaraz Ali
Going Digital helps you in your digital transformation journey.
We simplify the four technology pillars for an organization's digital transformation.
Founded by Sandeep Raut, a top 10 global digital transformation thought leader, influencer, and keynote speaker, GOING DIGITAL offers a wide range of digital transformation consulting services with the necessary tools and practical expertise to help grow your business.
Embedded Finance - a new $7 trillion market opportunitySimon Torrance
Embedded Finance builds on bank as a service and open banking business models to enable any organisation to generate new revenues from adding financial services to their propositions: payments, lending, insurance, investments. The market opportunity for those who enable Embedded Finance is very significant.
Many of the UK’s biggest brands understand that accessible websites and apps are good for business, but too many people treat it as a bolt-on – As well as facing legal threats organisations could be missing out on a market that is estimated at £250bn.
In this recent webinar participants heard from AbilityNet, our Accessibility Partner, as they laid out the business case for making sure that your website and apps can be used by every customer.
The session was delivered by Robin Christopherson MBE, who has been a global expert in accessibility for 20 years and regularly speaks at international tech events. He used examples to show how inclusive design can boost revenue, deliver financial savings, improve your brand and reduce legal risks. He’ll also explained how accessible apps and websites can improve the experience for every single one of your mobile users – whether they have a disability or not. He was also joined by his colleague Mark Walker. Mark AbilityNet’s Head of Marketing and Communications and has been involved in digital inclusion for 25 years.
The webinar consists of a 30-minute presentation followed by a 20 minute interactive Q&A.
SIX Paymit solution - Disruptive Payment Solution for the Swiss market powere...Walter Strametz
SIX Paymit is a payment network provided by SIX. The slide deck shows details of the solution and how long it would take for a bank to integrate the new payment method to their services.
If you want to know about fintech then you must check out this presentation. Here you will get the basic points about fintech or technology in finance. A fintech is an abbreviated form of Financial Technology. It is also used as a collective term for all the technology in the financial sector. From a technical perspective, it is the seamless integration of technology in the finance sector to produce fast, accurate & efficient solutions for both consumers and businesses.
We are excited to share with you our thoughts on financial technology ecosystem in 2017 and 2018. Please feel free to reach out to us if you would like a more detailed report.
Are you looking to learn more about banking API? Check the slides Kontomatik has used to describe the benefits of financial data aggregation and its technology in particular during FinDEVr conference in San Francisco in September 2015.
Presentation of DNB Open Banking held at Nordic Finance Innovation's member meeting in Oslo on February 1st 2018.
Event details: https://mailchi.mp/bd5f7d12c9bb/member-meeting-february-1-bankfintech-partnerships?e=e55c296881
Keynote (original): https://www.dropbox.com/s/yofjegqkzgyul6v/180201%20-%20Open%20Bank%20-%20Nordic%20Finance%20Innovation.key?dl=0
Self-playing video of the presentation on Youtube: https://youtu.be/RfxjEaNHJqM
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
What does FinTech really mean for 2017?
We've outlined 6 of the hottest trends to look out for in the coming year,
The Top 6 FINTECH TRENDS for 2017 by Safaraz Ali
Going Digital helps you in your digital transformation journey.
We simplify the four technology pillars for an organization's digital transformation.
Founded by Sandeep Raut, a top 10 global digital transformation thought leader, influencer, and keynote speaker, GOING DIGITAL offers a wide range of digital transformation consulting services with the necessary tools and practical expertise to help grow your business.
Is digital transformation just the latest fadIRESS
Is digital transformation just the latest fad to make businesses invest in more technology? Henry Woodcock, Principal Mortgage Consultant speaking at BSA Conference 3rd May
Mark Manton - Digital Transformation - Birmingham Marketing ConferenceEdge Global Media Group
Mark Manton, Head of Online Marketing UK&I, Experian
Topic: How Digital Transformation Drives Innovation
Digital transformation is a unique journey for each business on its path to digital maturity. But each business shares a common challenge – how to respond effectively to the radical shift in customer behaviour and online buying habits.
- Embracing the pace of change in digital transformation – the era from Mad Men to Maths Men
- Understand how to successfully make innovation happen through digital transformation
- How to adopt a ‘digitally disruptive’ mindset and culture that enables innovative transformation
- What successful innovation looks like in a digitally mature and transformed business
Digital Engineering: Top Three Imperatives for Banks and Financial Services C...Cognizant
Banking and financial services organizations need a blueprint for building modern digital capabilities, reducing technical debt and accelerating cost-cutting via the cloud. Here are some practical strategies for doing that, and examples of organizations achieving success.
Therefore in order to acknowledge some of the greatest contributors of excellence in the remittance services space, Insights Success has shortlisted “The 10 Most Trusted Remittance Service Providers, 2018”
The digital startup implementation handbook 2018Mondher Khanfir
All what Founders, Mentors and Investors need to know to better design and implement a business model for their digital startup. The eBook contains practical insights on the digital economy, and provides a didactic set of instruments that could be played with an exclusive role game www.mudircards.com
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Around the world a range of private and public sector organisations are focused on digital identity as a means of delivering secure and convenient services on line.
On 25 July 2017, AusPayNet hosted a visit from TD bank in Canada to learn first-hand about the opportunities and challenges inherent in rolling out a nationwide, cross-sector digital identity framework.
Speakers at the event were:
* Chuck Hounsell, Senior Vice President Payments, TD Bank
* Andre Boysen, Chief Identity Officer, SecureKey
* David G.W. Birch, Author and Consultant
Superfast Business - What are businesses looking for from suppliers?Superfast Business
Superfast Business Supplier Network Launch - Peninsula Enterprise launched the Superfast Business service in Devon and Somerset May 2013. As part of this service we are building a database of IT suppliers in the South West region. This presentation is for suppliers who attended either of the network launch events in April. The presentation was given by Cosmic’s Business and Operations Director, Kate Doodson and gives an insight into the future of IT and use of digital technology inside businesses and what they are looking for from their IT suppliers.
The hybrid planner - the do's and don'ts of digitalIRESS
At the recent PFS Festival of Financial Planning event, Chris Pitt discussed what being digital really means for today's financial planning firms. What should they definitely have on their digital roadmap in 2018 and what factors might need a bit more thought.
What will the financial advice process look like in 2025?IRESS
Technology and regulatory change are transforming financial advice as we know it. From MiFID II to PSD 2, see what the future of advice will look like.
The winners from our IRESS internal photography competition. All winners will have the honour of seeing their work displayed on the walls of our new building.
IRESS & ComPeer our research partner interviewed COO's and Heads of Technology who are responsible for £100bn assets under management to understand the challenges of ageing legacy systems. IRESS present their key findings and conclusions from this industry wide Wealth Management research.
Getting commercial about customer experience (and 3 things that should be hig...IRESS
Customer Experience (CX) has become the buzzword of 2017, but why exactly should it be a key commercial priority for wealth management firms, and what are the three areas that should be at the top of your CX agenda?
Chris Pitt explored the likely future and profitability of robo-advice at the Goodacre Securities Conference, considering current trends, lessons from the past and future forecasts. Watch the presentation on periscope: https://www.periscope.tv/w/1kvJpVyyoBLKE
Mortgage Efficiency Survey 2016 - Henry WoodcockIRESS
Hi-lights from IRESS Mortgage Efficiency Survey 2016.
This industry survey, now in its fifth year, tracks the developments in the mortgage industry over the past 12 months. It enables lenders to benchmark their mortgage sales and originations systems and processes against the mortgage market as a whole, their peers and the sector they operate in across a variety of key performance indicators.
For the full report view www.iress.com/mes2016
See the full presentation that Mark Loosmore, Executive General Manager (Wealth) gave to the audience of an exclusive Professional Adviser Breakfast Briefing event for Financial Advisers on 29th September 2015.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Is Investing Dull? How technology can be used to promote and sustain client engagement
1. Is Investing Dull?
How technology can be used to
promote and sustain client engagement
Simon New Group Executive - Strategy
November 9th 2016
2. iress.com 2
• Perhaps not for professionals who invest for a living, however it
can be time consuming, complex and confusing for the client.
• Technology can’t answer everything - people will continue to
play a significant role.
• However it is clear technology can play a huge part in
enhancing client engagement. Let’s look at how…
Is investing dull?
9. iress.com 9
1960’s
Barclays launched
Barclaycard, the first
British credit card
World’s first cash dispenser
was opened by Barclays in
Enfield. Customers needed to
purchase special vouchers to
use in the machines
10. iress.com 10
1970’s
The Royal Bank
became the first
British bank to offer
a house purchase
loan scheme to
customers
Direct Debits
were introduced
12. iress.com 12
1990’s
Cashback launched, allowing
customers to withdraw money when
doing their supermarket shopping
1997 - Nationwide
launches first Internet
banking service
1990 was the year for ‘peak’
cheque usage. With 11 million
cheques written in the UK per day
13. iress.com 13
2000’s
Introduction of first ‘chip’ and
‘pin’ credit and debit cards
Contactless card
transactions
Launch of ‘faster payments’ -
which enabled internet and
phone banking payments to be
made almost instantaneously
14. iress.com 14
2010 to now
Debit card expenditure on the
high street exceeded cash
spending for the first time
Contactless bank
payment accepted
on the underground
App only Atom Bank launches
Launch of mobile banking,
with the first apps allowing
customers to check balances
Barclays launced ‘Pingit’, an app that
allows customers to make instantaneous
payments using mobile phone details
15. iress.com 15
2010 to now
11m banking app
log-ins a day during
2015 - 2014
2% fall in Internet
banking logins during
2015 - as people
migrate to the apps
32% fall in branch
visits between 2016
and 2011
347m payments made
via banking apps in
2015, a rise of 54%
since 2014
£1bn – investment
by LBG for digital
banking technology
between 2015
and 2017
3 million people now
registered for Barclays
mobile phone banking
service Pingit (as of
Sept 2015)
16. iress.com 16
• The pace of innovation continues to astound and accelerate.
• What technology is available today for investors and what
does good look like?
• What innovations might we see tomorrow that will further
enhance client engagement?
The technology of today and tomorrow
18. iress.com 18
Basic expectations: Boring but critical...
Application process
Automating typically time-consuming,
basic but critical processes
19. iress.com 19
Basic expectations: Boring but critical...
Financial planning
Tools that are increasingly getting
investors to think in terms of their goals
21. iress.com 21
Embracing the virtual world
• Atom Bank launched in April 2016
• UK’s first bank built exclusively for mobile
• Easy to use and quick to open
• Biometric logins, AI customer service
• Transforming the banking landscape
• Technology core to their existence
22. iress.com 22
Making planning come alive!
• Goals-based planning is
steadily gaining momentum
• In US it accounts for 50%+ of
planning and is expected to rise
over next 3 years to 65%
• Technology plays an important
beyond plan initial creation, by
also stimulating clients during
the investment process
23. iress.com 23
Engage the client
• Investments can be seen as
boring and vanilla
• Other industries have been far
more imaginative in engaging
clients in what could be seen
as a dull process
• Technology can help with mass
customisation and
personalisation – in products
and services
24. iress.com 24
Use information to help the client navigate
• Use of data is a perennial topic
• Using a literal example, technology
can help navigation
• Using data intelligently can also
enable us to provide personalised
options
• It offers us real time analytics and
helps us to generate ideas
25. iress.com 25
So what does good look like?
Fully
integrated
Digitally
enabled
Visual
planning
Predictive
Habit
forming
Engaging
28. iress.com 28
Give your clients news and insights
• Changing approach to research and
providing information and insights
• Increasingly important to provide
interactive support for clients
• Way of driving engagement and
demonstrating value added
29. iress.com 29
Make it easier to see the important things
Tilney Bestinvest – Online Client Experience – Research and Functional Discovery - (c) Ernst & Young LLP – Proprietary & Confidential
• Visual representation is important,
but it’s not just ‘show me’
• It’s also about alerting me as a client to
things I should be aware of
• MiFID II will force certain changes such as
changes in portfolio value
• Technology can help manage the process
31. iress.com 31
Video and call enabling
• One of the biggest shifts in
activities enabled through
digital developments is visual
collaboration
• This technology lends itself
very well to advisory services
• A good compromise between
human interaction and digital
service
32. iress.com 32
Digital advice delivery
• Interaction and engagement can be
tailored to reflect different
preferences, styles and
understanding
• Technology allows the delivery of
consistent investment processes but
delivered in very different ways
• We’re already doing this with clients
in Australia.
33. iress.com 33
Same solution, different skin
• In an increasingly fast moving
market, expectations for the
longevity of web design is also
reducing
• The need to keep reinventing
and refreshing is increasing
• An online UI is easier and
cheaper to refresh than
traditional desktop systems.
34. iress.com 34
Make it habit forming
• Understandably, most firms focus
on the size of assets and AuM –
small doesn’t always get attention
• Whilst micro investing may not be
the key to large discretionary
portfolios, some of the lessons we
can learn are important
• Engagement, fun and habit
forming
35. iress.com 35
Make it interactive and interesting
• Similarly being imaginative in the way
clients are engaged in the investment
process can help break down some
of the barriers to investment
• In this particular example, Fidelity
create a ‘stock city’ – to help clients
understand their portfolio
• Whilst it is in a formative stage, its an
interesting example.
36. iress.com 36
• Investing can be daunting and dull
• Technology is evolving fast and provides some
interesting options for making it significantly less so
• Whilst we don’t see technology completely replacing
human interaction, we do think that it can help makes
investing more interesting, engaging and ultimately
rewarding for clients
Conclusions
37. iress.com 37
So what does good look like?
Fully
integrated
Digitally
enabled
Visual
planning
Predictive
Habit
forming
Engaging