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How Do You Invest?

Traditional advisor

OUR DIRECTION

  • Human aspect
  • Ability to influence (reassure your customers)
  • Trustworthiness
  • High AUM fees

Robo-advisor

  • Emotion-free investing
  • Digital expertise
  • Data analysis
  • Low AUM fees

How to get a customer piece of mind?

Understanding the real needs

Emotional component

Inside Customer's Mind

Psychological biases

They are unproven during a down market

Robo-Advisory Platform designed to solve these biases developing a two-way learning capability and providing customers with a flexible service model to improve customer experience.

Our Direction

OUR SOLUTION

Learning Framework

Be your own mentor

Investment Logic

  • AI will take care of your learning path
  • To make customer aware about financial suggestion
  • Prioritize contents according preference
  • Interaction enrich AI understanding of customers:
  • Attention & Retention
  • Motivation
  • OCEAN

Scores: platform-based credit given when the customer performs certain actions.

Benefits

The customer can choose when to spend it.

Customer Experience

Levels increase with the accumulation of score.

Benefit

Level

Score

OUR SOLUTION

Service Model

Customer Profile

DIY MODULE

STANDARD

  • Learning is the driver of the user experience
  • Gamification approach makes it fun
  • It aims to guide customers to possibly make rational decisions

DIY Module

INVESTMENT FACTORY

STANDARD PLUS

  • Standard + Video support
  • Video support

- Webinars (Held by group investors)

- One-to-One services

Investing Factory

ADVISOR (R.I.A.) PARTNERSHIP

PREMIUM SERVICE

  • DIY + Human Advisor
  • Performs as a cash cow
  • Induces trust

Investing Partnership

AFFLUENT INVESTORS

Job

Retired Executive

Tech Quotient

Low

Simone

66 years old

Risk tolerance

Risk Averse

Readiness to learn

Low

He worked as the COO of a company. He has made a fortune working in an automotive company.

Need

Sustain his savings

Mass Affluent

Time Horizon

Short-medium

MILLENNIAL

Job

Web Developer

Tech Quotient

High

Davide

22 years old

Risk tolerance

Medium-High Risk Propensity

Readiness to learn

High

A Tech-Savvy guy who works at a MNC. He wants to start investing and trusts technology will be the future.

Need

Millennial

Growth Investing

Time Horizon

Long-term

Influencing Factors

Outcomes:

Overall Portfolio Risk Target

4

Risk Capacity

Flexibility in bearing losses

Liquidity Need

3

Risk

Assessment

Withdrawal Horizon

Risk

Risk Tolerance

2

Willingness to take risk

1

Risk Aversion

Perception Distortion

Outcomes:

  • Financial Budget
  • Eventual DCA size
  • Portfolio Objectives

Know Your Customer

Portfolio

Personal

Ambitions

4

Retirement Program

Current Retirement Savings

Presentation of Scenario Analysis Tool

Aggressive Portfolio

3

Family Situation (optional)

Ambitions

Personal Estate Plan

Family Members

Future Prospective

Financial Planning

2

Zero in expense budget

Debt management & Insurance expenses

Income tax situation

1

Income & Worth Statement

Regular Cash Inflow

Net Worth Statement

Defensive Portfolio

Outcomes:

- Prioritization policy about contents

- Suggestion about service model

4

Investor experience

Learning

3

Preferences about investment strategy

2

Learning

Assessment

Principles of portfolio management

Davide

1

Knowledge on Financial Securities

Moderate Portfolio

Customized Portfolio

Title

Using the data from the assessment

Risk-averse

&

Long-term oriented

Davide

Customer's Journey

On-Boarding

Indicators presentation

Dashboard definition

Analysis and Planning

Redefining

AI builds customer profile through learning.

It will rely contents and dashboard characteristics according to customer's cognitive processes.

Extraordinary Events

Initial Portfolio Building

Personal Ambitions Reformulation

Portfolio Restructuring

Risk validation

Product selection

Validation

Scenarios and other

analysis tools

Journey

Programming:

  • Frequency
  • Communication

Portfolio Monitoring

Bot identifies emotional overtaking.

Defusing through communication and scenarios implication.

Learning path strictly entwined with customer profile, it leads to investing consistency at the cost of losing benefits.

Rebalancing

Planning

Customer’s option in

rebalancing

  • Manual Case:

Customer's issue identification and operational support

Risk & Objective Validation

  • Automatic Rebalancing

Rebalancing

Market Positioning

Is our solution suitable for the current market?

Positioning Strategy:

Italian market

1) higher growth potential

2) less competitive

Aiming for EU market

finally grow internationally

Market Size

Robo Advisory is the future of the market.

Expectations

Major External Trends that influence our business

1. Government's plans toward increase of Financial Literacy among nations

2. Economic crisis, Negative effect on customers trust, Customers become self directed

3. Trends toward choosing financial assets, OECD fact

4. Demographics Shift: Millenials and Women presence

5. Lack of Brand Loyalty

MARKET ANALYSIS

  • Mass Affluents
  • Millennials

  • Portfolio Management
  • App Development/Maintenance
  • Financial Education
  • Investor Path Creation

  • Registered Independent Advisors (RIA)
  • Network Security
  • Third party Server Hosting

  • Robo Advisory (CRM, chat bot, learning forms)
  • Video-Conferencing and Call Center personal advisors

- Robo Advisory Platform offering best investment portfolio according to your lifetime goals

- Two way learning based information flow:

1) know the customers better

2) learn about the financial markets and managing own portfolio

- Different service packages offers, interchangeable through the investment journey

BUSINESS CANVAS

  • Learning-based AI
  • Natural Language Programming (NLP)
  • Intellectual Property
  • Human Resources
  • App Store
  • Google Ads
  • Social Media Influencers
  • Word of Mouth (WoM)

  • Basic Subscription Fees
  • Premium Version Upgrades
  • Platform Development
  • Employee Salaries
  • Advisors Fees
  • Maintenance Costs
  • Marketing Costs

FEASIBILITY

CASH FLOWS:

WACC 10%

NPV 15,714 €

PAYBACK 4.378 YEARS

IRR 10.35%

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