what the second wave of big data will do to fintech
TRANSCRIPT
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W H AT T H E S E C O N D W AV E O F B I G D ATA W I L L D O F O R F I N T E C H
T 3 F I N A N C E F E S T * N O V E M B E R 8 , 2 0 1 5
D AV I D A F E R I AT, C O - F O U N D E R , M A N A G I N G PA R T N E R
A C T I O N A B L E M A R K E T I N T E L L I G E N C E
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“ I N T H E N E X T 1 0 Y E A R S , E V E R Y O N E W I L L B E U S I N G S O M E F O R M O F A U T O M AT E D I N V E S T M E N T S E R V I C E . T H I S I S L I K E E - C O M M E R C E I N T H E ’ 9 0 S . ”
W E A LT H F R O N T C E O A D A M N A S H
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S O U R C E : I D C : W O R L D W I D E B U S I N E S S A N A LY T I C S S O F T W A R E 2 0 1 2 – 2 0 1 6 F O R E C A S T
B I G D ATA G E T T I N G B I G G E R
Available for automation
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I N 2 0 1 2 , F I T B I T R E C O R D E D S A L E S T O TA L I N G $ 7 6 M I L L I O N . I N T H E M O S T R E C E N T F U L L Y E A R , 2 0 1 4 , T O TA L S A L E S W E R E W O R T H $ 7 4 5 M I L L I O N .
F I T B I T I N C . ( N Y S E : F I T )
S O U R C E : S M A R T E R A N A LY S T. C O M
N O N - S T R U C T U R E D B I G D A TA E X A M P L E S : P R O D U C T U S A G E , S U P P LY C H A I N , N A V I G A T I O N
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R A D I O F R E Q . I D S O L U T I O N S E N A B L E A I R L I N E T E C H N I C I A N S T O G E T I N F O R M AT I O N B Y W A L K I N G T H E C A B I N S C A N N I N G F O R R F I D PA R T S R E D U C I N G I N V E N T O R Y A N D M A I N T E N A N C E L E A D T I M E B Y M O R E T H A N 9 0 % - D O I N G I N 3 M I N U T E S W H AT T O O K P R E V I O U S LY 3 H O U R S .
A E R O S PA C E & S U P P LY C H A I N
S O U R C E : M A I N TA G
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I N 2 0 1 2 S P E C I A L I Z E D L I D A R L A S E R S E N S O R S T H AT G O O G L E U S E S O N I T S A U T O N O M O U S V E H I C L E S C O S T M O R E T H A N $ 7 0 , 0 0 0 . T H I S Y E A R , T H E M A N U FA C T U R E R R E L E A S E D A M I N I AT U R I Z E D V E R S I O N T H AT C O S T S O N E - T E N T H T H E P R I C E .
D R I V E R L E S S A U T O M O B I L E S
S O U R C E : K L E I N E R P E R K I N S C A U F I E L D & B Y E R S , J A N U A R Y 2 0 1 5
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R O B O - A D V I C E P L AT F O R M S W I L L R E A C H $ 4 8 9 B I L L I O N I N A U M B Y 2 0 2 0 , A N E Y E - C AT C H I N G 2 , 5 0 0 % I N C R E A S E F R O M T H E $ 1 8 . 7 B T O D AY
S O U R C E S : C E R U L L I A S S O C I AT E S I N C . , “ R E TA I L D I R E C T F I R M S A N D D I G I TA L A D V I C E P R O V I D E R S 2 0 1 5 ” 1 1 / 4 / 2 0 1 5 , T W E E T, D O W N T O W N J O S H B R O W N @ R E F O R M E D B R O K E R , 1 1 / 5 / 2 0 1 5
“ T H E R E A R E 3 0 0 , 0 0 0 F I N A N C I A L A D V I S O R S I N T H E U S A N D O N E T H I R D W I L L B E R E T I R I N G I N T H E N E X T T E N Y E A R S . I H AV E M Y W O R K C U T O U T F O R M E . ” @ R E F O R M E D B R O K E R
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2 D I F F E R E N T S E G M E N T S . W H O W I L L O F F E R B O T H ?
Stock Active
Fractional Work/Play
Idea Generation Alpha Capture
2 A P P R O A C H E S T O R O B O S E R V I C E S ,
:Scale :Behavior
:Portfolio % :Goal
:Key Activity :Outcome
A C T I O N A B L E M A R K E T I N T E L L I G E N C E
Portfolio Passive Majority
Accumulate Index Tracking
Rebalance
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1. K N O W L E D G E , P R A C T I C E 2. A C C E S S 3. Q U A L I T Y O F D E C I S I O N S 4. B AT T L E O F E G O , P S Y C H O L O G Y
W H O H A S T H E T I M E O R D E S I R E ? B A R R I E R S T O E N G A G I N G T H E M A R K E T S :
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" W H E N T H I N G S A R E B A D , T R Y N O T T O PA N I C . B U T I F T H E R E ' S N E E D T O PA N I C , PA N I C E A R LY. ”
@ P R E S T O N M O O R E O N T H E C Y C L E S O F E G O & E M O T I O N :
Social CycleBusiness Cycle
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“ F I R S T W AV E O F B I G D ATA S H O W C A S E D T H E I N S I G H T F R O M A N A LY S I S A N D P E R S P E C T I V E .
T H E S E C O N D W AV E O F B I G D ATA I S A U T O M AT I N G A C T I O N S B A S E D O N S U C H P E R S P E C T I V E A N D D ATA . ”
D A V I D A F E R I A T, @ T R A D E I D E A S
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PAT T E R N R E C O G N I T I O NH O W T R A D E I D E A S D O E S I T:
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A I D I R E C T E D E V E N T- B A S E D B A C K T E S TH O W T R A D E I D E A S D O E S I T:
S O U R C E : T R A D E I D E A S B A C K O F F I C E , A I I N P U T R E P O R T
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F I E L D I N G T H E B E S T T E A M D A I LYH O W T R A D E I D E A S D O E S I T:
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I N F O R M AT I O N A N D D ATA D E P E N D O N T H E P E R S P E C T I V E F R O M W H I C H W E L O O K AT T H E M
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W H AT C A N T H I S D O ?Q U E S T I O N :
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R I S E O F T H E C O N C I E R G E B O T
S O U R C E : “ F O R G E T A P P S , N O W T H E B O T S TA K E O V E R ” S E P 2 9 , 2 0 1 5 B Y B E E R U D S H E T H
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W E ’ R E R E C L A I M I N G F O R I N V E S T O R S C O N T R O L O F T H E I R E N G A G E M E N T W I T H T H E M A R K E T S .
A C T I O N A B L E M A R K E T I N T E L L I G E N C E