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）。
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。
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。
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.