GOOD DAY EVERYONE , HI IM JUSTERINE URIAS, NEXT ON THE APPLICATION OF FINTECH IS THE

3. Robo-Advisors

 Robo-advisors are online investment management services that use algorithms to

allocate assets and generate portfolios for customers optimally.
 Allow users of all age groups to engage in investment activities at low fees with minimal
manual effort.//

ALSO IS

 launched in 2008, with the initial purpose of rebalancing assets within target-date funds.
 more cost-effective in providing personalized advice with little to minimal need for any
interaction with a human financial advisor.
 can be a great solution for many investor

Benefits of Using Robo-Advisors

1. Low-Cost - Fees are considerably lower because a computer-driven algorithm offers

services.
2. More Accessible - There is no need to meet in person as most transactions are
completed online.
3. Comprehensive Services - provide a wide range of services that handle all aspects of
your financial planning.
4. Efficient - can quickly and accurately analyze data to develop a portfolio tailored to the
investor's Goals.
4. Insuretech
  The term insuretech refers to the application of technology to the insurance model,
which allows companies to provide tailored insurance services and data security.
 Helps streamline the insurance process through online claims filing and policy
management.
 It is a subset of fintech
 refers to technological innovations that are created and implemented to improve the efficiency
of the insurance industry.

Bright Health. How it uses insurtech: Bright Health offers customers a digital-based health
insurance service platform that connects users with broker partners in order to reduce
complications in enrollment.

5. Regtech

 Regtech (regulatory technology) focuses on the automation of compliance processes for

financial institutions.
 It offers fast and cost-effective management of large amounts of data, including
transaction records and compliance documents, such as corporate tax returns
 focuses on technologies that may facilitate the delivery of regulatory requirements more
efficiently and effectively than existing capabilities.
 it can identify management, risk management and security
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