最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

理财市场全自动化,这样的理想可能吗?

国际资讯基于互联网平台的金融业务

理财市场全自动化,这样的理想可能吗?

2019年自动驾驶汽车将上路行驶,无人驾驶出租车的前景引人瞩目。

而近日,信用管理公司Credit Karma首席执行官Kenneth Lin表示,资金很快也将实现自驱动,"钱财"有可能会经历革命性变革 。Lin认为五年之内"自动金融"服务就可能出现,到时候所有最重要的财务决策都将实现自动化,而无需征求拥有人的许可,因为拥有人也不一定了解抵押贷款、学生贷款、车贷再融资的最佳时机(以及从何处获得贷款)。

根据Lin的设想,到那时计算机可以在债务最有利时再融资,同时在有利可图时将现金用于长期投资(并重新平衡)。人寿保险和其他保护也将自动完成投保。这项技术正是源自目前蓬勃发展的金融科技项目。

Credit Karma公司在都柏林召开的MoneyConf会议上介绍,2017年美国汽车贷款超支达370亿美元,房屋抵押贷款超支近1000亿美元。与此同时,消费者对自驱动财务建议的满意度高于全自动驾驶汽车和飞机。

美国智能投顾公司Wealthfront也在探索类似Lin所描述的愿景。首席执行官Andy Rachleff本周在CB Insights大会上表示,公司希望实现客户财务的全自动化。在未来的某一天,客户将自己的工资存入Wealthfront,公司会负责处理剩下的所有工作。

这样美好的未来看起来十分不切实际,不一定能实现。每个自动化充分发展的行业都必须接受消费者信任带来的网络风险。

2016年美国金融服务公司Charles Schwab智能投顾管理资产总额为985亿美元,是2015年的两倍多。Schwab公司预测,到2020年,该细分市场份额将攀升至4600亿美元。相比之下,截至10月份,拥有约20,000名顾问和96年历史的金融服务公司Edward Jones管理的资产总额为1万亿美元,其Betterment服务最初是一项全数字服务(付费服务),但是有迹象表明,算法对新客户可能吸引力不够,于是公司在2017年增加了人工顾问选项。

但Lin认为这些事项是可控的,自驱动融资不会过于激进。就像富人雇佣司机一样,精英分子接受专业的金融建议,也可以充分利用资产,并从中获取收益。

一切顺利的话,很快普通民众也可以从财务优化中获益。到时候有些人可能会发现钱包变鼓,有钱购买自动驾驶汽车了。

The tantalizing future of robot taxis is just on the horizon, as self-driving cars are scheduled to hit the road as early as 2019. Money is going through a transition that could be just as revolutionary, as our finances may also soon be able to drive themselves, says Kenneth Lin, CEO of Credit Karma.

Lin thinks “autonomous finance” could come about in the next five or so years. And eventually, all of our most important financial decisions could be automated without asking for permission. After all, do you know the best time to refinance your mortgage (and where to get it)? Your student loan? Your car loan? Me neither.

He envisions a time when computers refinance our debts when it’s most advantageous, while investing our cash into longer-term investments (and rebalancing them) when it makes sense. Life insurance and other protections would be on autopilot. The technology has its roots in the fintech projects cropping up now.

American overspending on auto loans amounted to $37 billion last year, according to a Credit Karma presentation at MoneyConf in Dublin. For home mortgages, that amount comes to almost $100 billion. Consumers, meanwhile, are more comfortable with autonomous financial advice than they are fully self-driving cars and planes. (Yet we are strangely controlling when it comes to music selection.)

Wealthfront, a robo advisor, is pursuing a future similar to Lin’s vision. CEO Andy Rachleff said this week at a CB Insights conference that the company wants to automate all of its customers’ finances. A client could one day deposit her paycheck with Wealthfront and the company would take care of just about everything else from there.

This brighter, better future seems pretty Utopian, which of course means it’s not assured. With every industry where automation is proliferating, the cyber risk will have to be contained if consumers are going to trust it, for example.

Robo advisors managed $98.5 billion in 2016, more than double the year before, according to Charles Schwab, which has a robo service. Schwab predicts the segment’s assets will climb to $460 billion by 2020. That compares with Edward Jones, a 96-year-old incumbent with around 20,000 advisors, that managed some $1 trillion as of October. In a sign that algorithms may not have been wooing enough new customers, Betterment, originally an all-digital service (paywall), added a human advisor option last year.

But Lin thinks these concerns are manageable and that self-driving finance isn’t even that radical. Just as wealthy people have long enjoyed chauffeurs to drive them around, the elite have also benefitted from specialized financial advice to help them get the most out of their money.

If all goes well, ordinary people will soon have the benefit of optimized finances. If so, some of us might find we have enough extra cash for that self-driving car.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

栀航 | 未央团队未央编辑团队

24
总文章数

TA还没写个人介绍。。。

新加坡智能投顾AutoWealth获百万投资

高旭 | FINTECH NE... 2天前

智能投顾平台Hedgeable关门歇业,市场淘汰已经开始?

栀航 07-18

B2B智能投顾平台Bambu获300万美元A轮融资

高旭 | FINTECH NE... 07-12

智能投顾可能并没有你想象的那么好

潘, 妍媛 07-11

摩根大通推出网上银行Finn,这让智能投顾软件有点头疼

栀航 07-11

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1