robo advisor

In the latest episode of Couchonomics, Arjun was joined on the couch by Mehdi Fichtali, CEO & Founder of FinaMaze, MENA's first AI digital wealth manager.

Founded by a highly experienced team with decades of track record in capital markets and asset management, their hybrid human/machine teams are currently managing hundreds of portfolios. We spent a fair amount of the episode breaking down AI's role in wealth management and the need for a product like FinaMaze. 

In the episode, Arjun and Mehdi spoke about: 

• Their general frustration with traditional investment options
• The pitfalls of using trading platforms without proper training
• The wealth management industry's failure to educate customers 
• FinaMaze's process of tailoring micro-portfolios for individual clients 
• The way they’ve partnered human decision-makers with AI
• Challenges in B2C wealth management
• What differentiates FinaMaze from other "robo-advisors"

This is a great episode for AI enthusiasts, those working in wealthtech or wealth management, and anyone trading in their personal capacity.

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Some people say that with today's technology, there's no need to have a financial advisor anymore.  Robo/AI advisor has its uses: it's relatively cheaper, it can work 24/7 without any vacation, and the algorithms make objective investment decisions without bias.  But does this mean we no longer need a human touch in financial decisions?  Absolutely not!  We are the information generation, and there's certainly no lack of data or information.  But then what?  How do I interpret the data?  How do I apply the solution to myself?  How do I put all the different pieces together and compile the complete financial picture of my household?  And most importantly, how do I FEEL about my money and my life?  Robo/AI advisors can't tell you these answers.  The algorithms can calculate data and present you with possibilities, but it's still up to a human who is capable of empathy to interpret the data and advise.

Building trust with first-time consumers is critical for any brand - particularly where their money is concerned. In 2019, Sigit Kouwagam and Wellson Lo launched Bibit, a robo-advisor that makes it easy for Indonesians to start investing and build a portfolio. The country’s stock market, which has long been dominated by institutional investors, is now attracting more retail investors as Millennials and Gen Z look for new ways to grow their savings. The Bibit team started a Telegram group early in their product journey and invited users to share complaints, ideas and questions. Some of the app’s key features - such as a shared portfolio for spouses and an auto debit function - emerged from that customer feedback. On this episode of Moonshot, Sigit chats with Rohit Agarwal, a principal at Sequoia India & SEA, about how Bibit is empowering Indonesians to make sound investment decisions, and building a brand that first time investors trust by actively engaging with them.

Show Notes

• The evolution of Indonesia’s retail investors and creating products with their concerns in mind (03:34)
• Lessons from Bibit’s landlord on opening communication channels with their users (09:34)
• Tapping into Indonesia’s changing investment ecosystem (13:58)
• Empowering Indonesians to make sound investment decisions (21:24)
• Getting your customers to become your ambassadors of trust (24:18)
• Questions to ask yourself before taking the entrepreneurship leap (28:25)

In this episode John talks more about what the brokerages are like. Some specific financial brokerages may offer services for a charge while others may offer their services for almost free. What type of broker fits your needs?

We want to know more about your situations so we can create better tailored content. John and the team can be reached at jcindia@lifestagesadvisory.com. Reach out to us so we can get you or your segment featured on the show!

智能投资顾问（robo advisor）是近年来越来越受欢迎的投资产品，这种相当于机器人自动帮你做投资的服务，比传统投资方式做比较的话，更方便，费用也比较低。但真的有又便宜又方便，还自动帮你赚钱的投资工具吗？对于投资者来说，使用智能投资顾问时有什么风险和问题要注意的呢？

本期《理财万事通》与大家分享智能投资的好处，以及在投资前如何避免暗藏的风险。

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