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Can Fintech Help Save the Planet? Discover the Sustainable Future of Finance!
As the world grapples with the challenges of climate change and environmental degradation, every sector is being called upon to contribute to a more sustainable future. Fintech—at the crossroads of finance and technology—is uniquely positioned to drive this change. For Australian superannuation trustees and wealth management executives, understanding how fintech fosters sustainability is crucial. Investors…
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Harnessing AI & Automation: A Strategic Imperative for Financial Services & Superannuation Leaders
I. The Unstoppable Momentum of Intelligent Technology – AI, machine learning and automation. The discourse surrounding Artificial Intelligence (AI) has shifted dramatically from futuristic speculation to immediate strategic relevance. The rapid mainstream adoption of tools like ChatGPT is merely the visible crest of a much larger wave of technological advancement poised to reshape industries, none…
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Cryptocurrency: A Digital Delusion – The Scam of the Century?
CAUTION: This article is deliberately provocative and may not completely reflect the authors views but is meant to provoke debate and discussion on the topic. Introduction Cryptocurrency: the supposed financial revolution, the darling of tech bros, the ticket to overnight riches. But let’s rip off the mask of innovation and expose it for what it truly…
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Blockchain’s Reality Check: Has it Delivered on the Hype?
The blockchain narrative, once steeped in promises of revolutionary disruption, decentralization, and unprecedented transparency, has begun to face a stark reality check. While the technology’s potential remains a subject of intense interest, its practical impact has fallen short of its initial, lofty claims. This article examines the dichotomy between blockchain’s aspirational goals and its present-day…
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Artificial Intelligence and the Future of Financial Advice in Australia: Opportunities, Challenges, and Strategic Implications
I. Executive Summary Artificial intelligence (AI) stands poised to revolutionize the Australian financial advice landscape, offering the potential for increased efficiency, personalized advice at scale, and enhanced client engagement. However, this transformation is not without its challenges. This article explores the opportunities and risks associated with AI adoption, emphasizing strategic imperatives for wealth management platforms,…
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How Much Is Really Enough? The Great Superannuation Challenge
Planning for retirement is a daunting task for many Australians. The question “How much is enough?” can feel overwhelming, especially when faced with uncertainty about longevity, expenses, and income sources. As a, I’ve worked with trustees of superannuation funds and financial advisers who grapple with these issues daily, and I’ve seen firsthand how the right…
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Fintech and the Superannuation Value Chain
Disruption, enhancements or just eating your lunch? There is increasing talk about the impact of fintech on the Australian superannuation industry. In some circles, fintech companies are regarded as disrupters, with speculation that innovative players and technology giants such as Facebook, Apple or Google could enter and dominate parts of the superannuation value chain, posing…
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Realising the preventative power of genetic information
Why the life insurance industry needs to rethink its approach to genetic testing. Should such genetic test information indicate the applicant has an increased risk of a disease or illness, insurance companies can and do use this information as the grounds for limiting cover through exclusions, reducing the term of the cover, charging higher premiums…
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The Australian wealth management industry – 2020 and beyond
Future proofing amid rapid technological change – which way now for platform providers In the next five years, social and technological trends are going to transform business practices globally and alter the Australian wealth management landscape. For platform providers, this represents a ‘sliding doors’ moment… Here’s why you should proactively prepare for the future, rather…
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Top social and technology changes impacting the SMSF sector
Introduction A number of years ago, Bill Gates presciently observed that: “Banking is essential, banks are not”. In the interim, we have seen the emergence and rising popularity of peer-to-peer lending, crowdfunding and new payment platforms, along with disrupters like Apple and PayPal, all pushing their way into the traditional banking domain. On the back…
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