Download or read book Robo Advisors as a Business Model in Germany written by Anonymous and published by . This book was released on 2023-05-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Academic Paper from the year 2022 in the subject Economics - Finance, grade: 1,7, International School Of Management, Campus Frankfurt, language: English, abstract: This term paper will evaluate Robo Advisors as a product and examine, the business model in comparison to the classical retail banking approach. To do this, the term retail banking will be explained in chapter two. Subsequently, in chapter three, Robo Advisors will be first described in general, then viewed as a product and finally critical evaluated. In chapter four, the last chapter, the Robo Advisor ROBIN of Deutsche Bank will be described. In connection with the current trend to invest money in passive investment products, a lot of private investors used Robo Advisors to build a portfolio and get the portfolio managed. A Robo Advisor is an online portfolio management solution, utilizing mathematical algorithms to make investment decisions. Robo Advisors primary invest the customers money in Exchange Traded Funds (ETFs).

Download or read book Robo Advisors as a Business Model in Germany written by and published by GRIN Verlag. This book was released on 2023-05-25 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Academic Paper from the year 2022 in the subject Economics - Finance, grade: 1,7, International School Of Management, Campus Frankfurt, language: English, abstract: This term paper will evaluate Robo Advisors as a product and examine, the business model in comparison to the classical retail banking approach. To do this, the term retail banking will be explained in chapter two. Subsequently, in chapter three, Robo Advisors will be first described in general, then viewed as a product and finally critical evaluated. In chapter four, the last chapter, the Robo Advisor ROBIN of Deutsche Bank will be described. In connection with the current trend to invest money in passive investment products, a lot of private investors used Robo Advisors to build a portfolio and get the portfolio managed. A Robo Advisor is an online portfolio management solution, utilizing mathematical algorithms to make investment decisions. Robo Advisors primary invest the customers money in Exchange Traded Funds (ETFs).

Download or read book Critical factors influencing the adoption of Robo Advisors written by Michael Rögele and published by GRIN Verlag. This book was released on 2020-08-18 with total page 97 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, , language: English, abstract: This study aims to identify the current state of adoption in German banks and critical factors for traditional institutes that need to be considered when it comes to the implementation of Robo Advisory solutions. Data were collected via a questionnaire that was filled by banking employees in Germany. Factor Analysis revealed the result that selection criteria are a very important factor for banks when they decide to acquire a Robo Advisory company or cooperate with such a Fintech firm. Especially characteristics like the performance, reputation, willingness to share sufficient information and technological capability of a Robo Advisory company need to be considered. The study also revealed that the IT-infrastructure of traditional banks is often not compatible with the technology offered by Robo Advisors. This can lead to problems in the integration process and need to be an aspect in the initiation phase of such a project. Robo Advisors are one example of Fintech companies that recently have moved into the financial industry and challenge traditional banking institutes with their business models. Mostly, Fintech companies are only operating in one field of banking and try to attract customers via internet-based offers that focus on simple user interface, efficiency, transparency and automation. Robo Advisors are companies offering automated financial investment tools and can therefore be located in the segment of asset management and investment. Relevant literature has stated the need for traditional banks to react in form of cooperation with such companies, acquisition of Robo Advisors or creation of own automated investment solutions.

Download or read book Robo Advisory written by Peter Scholz and published by Springer Nature. This book was released on 2020-12-28 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: Robo-Advisory is a field that has gained momentum over recent years, propelled by the increasing digitalization and automation of global financial markets. More and more money has been flowing into automated advisory, raising essential questions regarding the foundations, mechanics, and performance of such solutions. However, a comprehensive summary taking stock of this new solution at the intersection of finance and technology with consideration for both aspects of theory and implementation has so far been wanting. This book offers such a summary, providing unique insights into the state of Robo-Advisory. Drawing on a pool of expert authors from within the field, this edited collection aims at being the vital go-to resource for academics, students, policy-makers, and practitioners alike wishing to engage with the topic. Split into four parts, the book begins with a survey of academic literature and its key insights paired with an analysis of market developments in Robo-Advisory thus far. The second part tackles specific questions of implementation, which are complemented by practical case studies in Part III. Finally, the fourth part looks ahead to the future, addressing questions of key importance such as artificial intelligence, big data, and social networks. Thereby, this timely book conveys both a comprehensive grasp of the status-quo as well as a guiding outlook onto future trends and developments within the field.

Download or read book Robo advisors Opportunity or threat for the german wealth management industry written by Kevin Schmit and published by GRIN Verlag. This book was released on 2019-02-20 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2018 in the subject Business economics - Investment and Finance, grade: 15/20, , course: International Business Management, language: English, abstract: Nowadays, technology develops faster than ever before and is increasingly being used in our everyday life.That’s why westand on the brink of the fourth industrial revolution. One of the economic sector that has been the most impacted by technological opportunities is the financialsector.Followingthe economic crisis of 2008, the financial landscape started to change, which resulted in client lossoftrust in established financial institutions.Thus, alargenumber of newentrants began offering clientfacing digital financial tools. Meanwhile, traditional wealth managers were toooccupiedby meeting regulatoryrequirements and were facing the crisis complexities, new types of firms saw an opportunity to leverage theirtechnologicalcapabilities for delivering fasterand cheaper investment methods to financial professionals. Indeed, technological financial firms, more knownunderthe term „Fintech“, have really taken offsince the financial crisis of 2008.

Download or read book Fintech Business Models written by Matthias Fischer and published by Walter de Gruyter GmbH & Co KG. This book was released on 2021-02-08 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book on fintechs shows an international comparison on a global level. It is the first book where 10 years of financing rounds for fintechs have been analyzed for 10 different fintech segments. It is the first book to show the Canvas business model for fintechs. Professionals and students get a global understanding of fintechs. The case examples in the book cover Europe, the U.S. and China. Teaser of the OPEN vhb course "Principles of Fintech Business Models": https://www.youtube.com/watch?v=UN38YmzzvXQ

Download or read book Robo Advisors Compared to Traditional Investment Business in Retail Banking written by Shahnawaz Mian and published by GRIN Verlag. This book was released on 2024-04-17 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0, University of Tubingen, course: Bachelorseminar in Bankmanagement, language: English, abstract: This text was translated with the help of AI and reviewed by the GRIN editorial team. This study examines whether Robo Advisors in Germany have the potential to displace traditional investment business in retail banking. Fintech startups are currently shaping the digital transformation in the banking sector significantly. While banks have lagged in innovation in investment business, fintechs have emerged with digital business models for retail customers' asset management. These so-called Robo Advisors aim to challenge banks' market share in investment business and offer customers a more attractive alternative for their asset management.

Download or read book Robo Advisors in Management written by Gupta, Swati and published by IGI Global. This book was released on 2024-04-22 with total page 426 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the ever-evolving landscape of management, the introduction of robo-advisors has introduced challenges and opportunities that require careful examination. Organizations grapple with the profound impact of these automated systems on decision-making processes, resource allocation, and strategic planning. The need for a comprehensive understanding of how robo-advisors integrate into various management functions and sectors has become paramount. Decision-makers, researchers, and students seeking clarity in this transformative period are faced with a shortage of literature that bridges theoretical insights with practical applications. Robo-Advisors in Management stand out as a pioneering solution to this crucial gap in the existing body of knowledge. This book does not merely explore the challenges presented by robo-advisors; it delves into the heart of these challenges and navigates the diverse applications of these technologies in sectors ranging from wealth management to healthcare and real estate. By seamlessly blending theoretical foundations with real-world scenarios, the book equips both professionals and academics with the tools needed to comprehend and harness the potential of robo-advisors. It is an invaluable resource for decision-makers looking to optimize their strategies, researchers seeking in-depth insights, and students aspiring to navigate the intersection of management and fintech.

Download or read book FinTech Innovation written by Paolo Sironi and published by John Wiley & Sons. This book was released on 2016-09-26 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: A survival guide for the FinTech era of banking FinTech Innovation examines the rise of financial technology and its growing impact on the global banking industry. Wealth managers are standing at the epicenter of a tectonic shift, as the balance of power between offering and demand undergoes a dramatic upheaval. Regulators are pushing toward a 'constrained offering' norm while private clients and independent advisors demand a more proactive role; practitioners need examine this banking evolution in detail to understand the mechanisms at work. This book presents analysis of the current shift and offers clear insight into what happens when established economic interests collide with social transformation. Business models are changing in profound ways, and the impact reaches further than many expect; the democratization of banking is revolutionizing the wealth management industry toward more efficient and client-centric advisory processes, and keeping pace with these changes has become a survival skill for financial advisors around the world. Social media, big data analytics and digital technology are disrupting the banking industry, which many have taken for granted as set in stone. This book shatters that assumption by illustrating the massive changes already underway, and provides thought leader insight into the changes yet to come. Examine the depth and breadth of financial technology Learn how regulations are driving changing business models Discover why investors may become the price-makers Understand the forces at work behind the rise of FinTech Information asymmetry has dominated the banking industry for centuries, keeping the bank/investor liability neatly aligned—but this is changing, and understanding and preparing for the repercussions must be a top priority for wealth managers everywhere. Financial Innovation shows you where the bar is being re-set and gives you the insight you need to keep up.

Download or read book Advances in Consulting Research written by Volker Nissen and published by Springer. This book was released on 2018-10-18 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together cutting-edge research on consulting in a single volume, thus helping to make the state-of-the-art in the field of consulting research more accessible, to promote better practices in business, and to spark further research. The respective articles approach consulting from very different angles, taking into account various approaches for and fields of consulting, consulting providers, clients and markets, as well as technologies and trends. The book will benefit all consultants who want to critically reflect on their own methods and approaches in light of recent scientific findings. It also offers a helpful guide for students in Management and IT-related courses who are either considering a career in consulting or want to be informed consulting clients. Lastly, the book provides a comprehensive review of current developments and trends in consulting that will foster future contributions in this important research field.

Download or read book Fintech Regulation in China written by Robin Hui Huang and published by Cambridge University Press. This book was released on 2021-07 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a systematic and contextualized account of China's Fintech regulation.

Download or read book FinTech in Germany written by Gregor Dorfleitner and published by Springer. This book was released on 2017-03-17 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on market developments of crowdfunding, crowdinvesting, crowdlending, social trading, robo-advice, personal financial management, online payment and mobile payment in Germany. FinTech companies are an important driver of innovation in the financial industry. By making financial transactions more user-friendly and transparent, these firms potentially contribute to financial stability and economic growth. The authors define and categorize the different market segments that have emerged. They further provide an assessment of current market volumes and make forecasts for the next 5, 10 and 20 years. Particular attention is given to the empirical findings resulting from scholarly research. Furthermore, the authors evaluate how the German FinTech market ranks relative to international standards. This book will appeal to finance and entrepreneurship researchers as well as practitioners from banking and tech industries. “This book offers a fresh and fascinating look at the FinTech market. The authors provide a rigorous economic analysis of the FinTech market in Germany and offer many insights that are of interest to practitioners, academics, and policymakers alike.” –Professor Douglas Cumming, Schulich School of Business “Germany is one of the fastest growing FinTech markets in Europe. This book not only provides a comprehensive and systematic overview on the developments and actors, but undertakes a visionary outlook on the forthcoming decades based on scientific methods.” –Dr. Thomas Puschmann, Head of Swiss FinTech Innovation Lab

Download or read book Transformation of conventional Banking Opportunities and risks of Fintech companies in Asset Management written by Gleb Romanchuk and published by GRIN Verlag. This book was released on 2019-05-03 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, Berlin School of Economics and Law, language: English, abstract: The purpose of this work was to find out whether Fintechs are able to compete with Banks in the field of Asset Management. Companies providing Robo Advisory services are considered to be the banks of the future. Several interviews with companies working in this field have been conducted to investigate if the algorithms are prepared for the next financial crash. This work contains 7 chapters, starting with the motivation and research question. Sec-ondly, the general situation on the market will be described, including the changes of customer behavior. This serves the purpose to give an understanding about the current market conditions. Thirdly, the banking sector will be described, considering definitions and regulations. In this work the focus will be on the German market, therefore, con-sumer behavior and details about the German retail banking industry are relevant. Sub-sequently, chapter 4 deals with asset management and the new trends in the industry. Chapter 5 describes the development of the fintech industry. Definitions and regulations of the fintech companies are part of this chapter. In chapter 6 the scientific investigation will be conducted and presented. The results will show how stable the new technologies are, in order to give an outlook for the future in the next chapter. Prospects for the future of retail banking and especially asset management will be mentioned in chapter 7. General current trends and forecasts are also part of this chapter. Since only limited literature is available about the fintech industry and especially robo advisory, the investigation part includes a qualitative approach with interviews that have been conducted with qualified specialists that work or research in the robo advisory industry. The question of whether and how the robo advisors will survive the next fi-nancial crisis, is topic of the interviews. There has been no financial crisis that might have caused unforeseen problems for the systems, ever since the creation of robo advi-sory. Thus, it is unknown how those technologies will react to chaotic market situations. The idea was to ask companies to what extent they are prepared for a financial crisis. The findings of this investigation will deal with the possible future outline of those fintechs providing algorithm-based asset management. The question about the security framework has been answered with a view to examining the future development of the robo advisory industry.

Download or read book Emerging And Evolving Business And Management Issues In Vietnam Research And Practice written by Hoai Trong Nguyen and published by World Scientific. This book was released on 2024-06-21 with total page 461 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research has shown that the pandemic has had a profound impact on the dimensions of environmental uncertainty. With the advent of technology, marketing and advertising have undergone constant development and refinement in order to adapt to the growing needs of buyers and investors alike. This book aims to provide a comprehensive review of strategic management and cultural intelligence, in relation to the measurement of financial information quality in recent times. It illustrates how marketing and advertising have changed from conventional to digital marketing, discussing the latest technological features, in addition to the variety of benefits that existing and emerging immersive technologies can bring to retailers and consumers.The study of the transformation of a market-oriented economy is crucial to a successful transition, along with the advancements in exchange efficiency and effectiveness. The book also covers cultural intelligence and financial literacy among in terms of spending, saving, borrowing, and investment in Vietnam.

Download or read book What Influences May Robo Advisors Have on the Service of Professional Financial Consultants and the Financial Industry written by Patrick Reverchon and published by GRIN Verlag. This book was released on 2017-11-13 with total page 139 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2017 in the subject Business economics - Company formation, Business Plans, grade: 2,0, Liverpool John Moores University, language: English, abstract: This research project is going to examine and evaluate a new phenomenon of the financial advisory services market, the so called Robo-Advisors (RA). They represent the next stage of the evolution in the financial advisory and wealth management industry. RA are a new type of financial adviser or portfolio manager, which work solely online and with minimal human intervention and they stepped right into competition with human wealth managers. In a generation that grew up with the internet, computers and mobile devices, RA have the potential to start their triumph procession making many jobs of professional human financial consultants obsolete. The main objective of this research project is to sketch an overview of possibilities and disadvantages of Robo-Advisors in the future and give an outline to the academic research that will be needed in the future. This thesis is one of the first academic papers in English language, examining RA and their possible impact on the industry. As a field study, it delivers a broad overview of a large amount of topics describing the various characteristics of a fully automatic asset management system, and the competitive situation with human consultants or asset managers.

Download or read book Technology Acceptance Path Dependence and the Demand for Robo Advisory Services written by Maximilian Horn and published by Springer Nature. This book was released on with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Revolution on the Horizon written by Yasin Sebastian Qureshi and published by FinanzBuch Verlag. This book was released on 2019-01-23 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excessive costs, cumbersome processes, disincentives and what's more: all manner of isolated, self-serving sector solutions. A financial system with methods and processes from yesteryear shapes our banking. Indeed, our entire life and society—especially the state and administrative bodies—are based on such archaic processes. In addition, billions of people worldwide are excluded from the financial system as they are not even in possession of a bank account. Banks, currencies, payment methods and administrative transactions are, on the whole, not sustainable. They are responding neither to the needs of many customers/citizens, nor to the challenges of the times. Politically and socially, we are drifting about aimlessly, lacking control and efficiency. Financial expert and entrepreneur Yasin Sebastian Qureshi—at age 29 the youngest person ever licensed to run a European bank—describes groundbreaking solutions that have long been in existence: digitalisation and its offspring the Internet, mobile phones and blockchain which are actively determining progressive developments, and whose most radical embodiment so far has been the rise of Bitcoin an other cryptocurrencies. The revolutionary thing about blockchain, however, is not the mere payment process, but the underlying technology, the more efficient processes and, in particular, its decentralised character and interconnectedness. Together with Benjamin Bilski (Forbes "30 under 30"), Qureshi outlines the future of finance and all the relevant administrative processes in business and state, even entire states, on the basis of such blockchains. The authors also dissect the history, meaning and nature of money; it has always been in a state of transformation—but now is in one of complete upheaval. The two also shed light on the social, economic and political consequences of these mutations. But what will happen if everything is organised into blockchains? The answer is certainly not one that should be feared. The new foundations of our daily and working existence are unleashing forces that have so far been pointlessly and inefficiently tied up in technocratic working environments. Following on from, and leaving behind, the Industrial Revolution, a new revolution is now on the rise. Starting in the financial system, it will turn everything there on its head and qucikly expand to other areas. Blockchain is restoring time and its potential to all us—which we can use for other, better and more creative things. Cash, however, is likely to disappear in the medium term—as well as banks, at least as we know them today..