This paper raises a number of points that I believe need to be considered in the discussion of robo-advice. I’m not giving any recommendations or conclusions, not because I don’t have any opinions, but because the evolution of the area has not progressed enough to warrant such things.

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This paper was presented in July 2016 at the 21st Melbourne Money and Finance Conference (MMFC), which explored the theme Fintech and Financial Innovation.

For more papers presented in the conference, please click here.