As Fintechs and robo-advising services are gaining traction and more media attention, it is crucial to understand that Fintech is not a mere sector, nor an epiphenomenon. It is transforming on a global scale how we advise consumers more directly and efficiently and also spend, invest, lend and send our money. Connecting Fintech services to one another, partnering with existing financial institutions and expanding internationally, in order to always benefit the consumers will lead to the crumbling of the barrier between institutional and retail investing in the future. What could this bring in a more personalized pension savings context looming on the horizon?
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