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UBS针对英国较低收入人群推出智能顾问平台SmartWealth

瑞银集团希望将财务管理服务推广到更广阔的受众。目前,英国消费者只需要1.5万英镑即可使用其推出的电子智能顾问平台。

这个名叫SmartWealth平台11月就会对部分英国客户开放,并在2017年实现全国范围的推广,随后会对其他市场开放。

该系统使用专利技术提供受监管的实时顾问服务。它根据客户的个人财务状况、风险偏好和对所处的年龄阶段、资产、理财目标的理解推荐合适的投资策略。

瑞银方面会定期检查投资组合表现,以确保提供符合客户目标且切实可行的建议更新,同时投资组合也会根据瑞银在全球的研究和投资专家更新的观点进行调整。

瑞银表示SmartWealth会将财富管理服务带给“新类型的客户”——最低只需要1.5万英镑的投资即可。

像其他银行一样,瑞银集团非常希望利用科技优势抢占新兴市场的财富管理服务份额。今年年初,该瑞士巨头向旧金山的智能顾问公司SigFig注资4000万美元。除此以外,这两家公司就顾问技术的联合开发和创新实验室的共建达成协议,从而瑞银的理财顾问、产品专家和技术人员可以和SigFig的电子专家共同工作。

瑞银财富管理部门的首席运营官Dirk Klee表示:“SmartWealth是瑞银集团一项非常重要的战略布局。它可以让我们把顾问和专家服务带给更广的的客户。我们首先会在英国试行,之后会推广到更广大的市场。”

“科技改变了金融服务的方式。瑞银集团SmartWealth平台的推出显示电子创新不仅仅是创业公司的事。市场领先的大型金融机构也拥有研究、测试和构建革命性产品和服务的资源。”

UBS is hoping to bring its wealth management services to a wider audience through the launch of a digital robo-advisory platform available to UK customers with as little as £15,000 to invest.

The UBS SmartWealth platform will be offered to some UK customers in November before a country-wide rollout in 2017, with other markets expected to follow.

A year in the making, the system uses proprietary technology to provides regulated and real-time advice online. It recommends a suitable investment strategy based on a client’s individual financial situation relative to their attitude to risk and an understanding of their life stage, assets and goals.

Performance is regularly checked to provide clients with ongoing updates against their goals and advice on possible actions, while portfolios are also adjusted on an ongoing basis, relative to the views of UBS’s worldwide research and investment experts.

The bank says that SmartWealth enables to bring its wealth management service to a "new group of clients", requiring a minimum investment of just £15,000.

Like other banks, UBS is keen to take advantage of technological advances to win over a whole new market to its wealth management service. Earlier this year the Swiss giant joined a $40 million funding round for San Francisco-based robo-advisor SigFig. In addition to the money, the pair promised a joint advisor technology research and innovation lab, where UBS financial advisors, product experts and technologists can work with SigFig’s digital experts.

Dirk Klee, COO, UBS Wealth Management, says: "UBS SmartWealth is a strategically important move for UBS. It enables us to bring our advice and expertise to a much wider audience, at first in the UK, but in time in other geographies too.

"Technology is changing the way financial services are delivered. The launch of UBS SmartWealth shows that digital innovation is not the sole reserve of start-ups. Large market-leading institutions have the resources to research, test and build transformative new products and services."


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