1. © 2016 IBM Corporation
The Three Essential E’s of a Robo-Advisor
Bharat Bhushan
Industry Technical Leader, Banking and Financial Markets
bharat.bhushan@uk.ibm.com _bharat_ fintechie.co.uk

2. 22 © 2016 IBM Corporation
The Happiness Chart
6.60
6.80
7.00
7.20
7.40
7.60
7.80
8.00
16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 84 85 - 90 90 and
over
Source: http://www.neighbourhood.statistics.gov.uk/HTMLDocs/dvc146/wrapper.html

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6.60
6.80
7.00
7.20
7.40
7.60
7.80
8.00
16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 84 85 - 90 90 and
over
The Happiness Chart Vs. Individual Wealth
Source: http://www.neighbourhood.statistics.gov.uk/HTMLDocs/dvc146/wrapper.html
Wealth phases
Happiness

4. 44 © 2016 IBM Corporation
Disruption with Digital
Access to all Investor Segments
A significant number of ‘underserved’ clients can now
access investment management services that were only
available to the rich.
Affordable and Transparent
A clear and ‘all inclusive’ tiered cost structure; customers
know exactly how much they will be paying for.
Digital Innovation
Design thinking techniques to develop world-class
systems of engagement; agile devOps; automating
and standardising business processes.

5. 55 © 2016 IBM Corporation
Investment Scenarios and Advice
Customer Acquisition and Retention
Level of Human Contact

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Top three priorities

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Life Events and Planning

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Life Events and Planning

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Tools Available
Virtual RealityAugmented RealityScenario Modelling Cognitive Platforms
Emotional Intelligence Interactive Systems FinTechBig Data and Analytics

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Periodic Table of Capabilities
Dialog
Services
NPL
Services
Relationship
Extraction
Services
Semantic
Expansion
Services
Ingestion
Services
Question
Interceptor
Services
Factoid
Services
Passage
Services
Document
Services
Definition
Services
Entity
Based
Services
Out of
Bounds
Services
Procedural
Services
Answer
Assembler
Services
Visualization
Services
Image
Analytics
Video
Services
Speech to
Text
Services
Text to
Speech
Services
Visualization
recommenda
tion services
Training
Services
Smart
Metadata
Services
Search
Services
Spell
Services
Type Ahead
Services
Auto
Complete
Services
Summarizat
ions
Services
Machine
Translation
Services
Language
Identificatio
n Services
Concept
Expansion
Services
Graph
Services
Concept
Maps
Services
Message
Resonance
Services
Personality
Insight
Services
Social
Resonance
Services
Personaliza
tion
Services
Entity
Compilation
Services
Text
Analytics
Services
Concept
Analytics
Services
Precision
Analytics
Services
Interceptor
Services
Deep
Parser
Services
Ranking
Services

11. 1111 © 2016 IBM Corporation
APIs you can use
Natural Language
Processing
Machine Learning
Question Analysis
Feature Engineering
Ontology Analysis
5
Question and
Answer
Directresponses to
users inquiries fueled
by primary document
sources
Relationship
Extraction
Intelligently finds
relationships between
sentences components
(nouns,verbs,
subjects,objects)
Dialog
Enable applications to
use natural language
to respond and interact
with users
Alchemy
Language
Analyze text to
understand
sentiment,keywords,
entities,high-level
concepts and more
Personality
Insights
Understand and
engage users on their
own term based on
their personalities and
values
Concept Insights
Locate relevant
documents thatmay
notdirectly mention
your query
Concept
Expansion
Maps euphemisms or
colloquial terms to
more commonly
understood phrases
Language
Translation
Identify language text
and dynamically
translate to another for
specific domains
Tone Analyzer
Understand emotional,
social and writing cues
from inputtextwith
suggestions for
improvement
Document
Conversion
Convertdocuments to
HTML,Plain Text, List
of Answer Units
needed by Watson
Services
Natural Language
Classifier
Easily create machine
learning,natural
language interfaces
Retrieve and Rank
Combine search and
machine learning
algorithms to enhance
information retrieval
Alchemy Vision
Integrate image
cognition to
understand a
picture’s contentand
context
Visual Insights
Enhance customer
view through insights
extracted from
analysis of online
photos and videos
AlchemyData
News
Integrate image
cognition to
understand a picture’s
contentand context
Tradeoff
Analytics
Make better choices
under multiple
conflicting goals with
smartvisualizations
& recommendations
Visual
Recognition
Analyzes the visual
appearance of
images or video
frames to understand
whatis happening
Speech to Text
Provides highly
accurate,low latency
speech recognition
capabilities
Text to Speech
Synthesizes
natural-sounding
speech from text
Author Extraction
Keyword Extraction
Feed Detection
Taxonomy
Face Detection
Answer Generation
Q&A Qualification
Knowledge Graph
Risk Stratification
Policy Identification
Knowledge Canvas
Fusion Q&A
Emotion Analysis
Case Evaluation
Entity Extraction
Language Detection
Image Link Extraction
Text Extraction
Statistical Dialog
ConceptTagging
SentimentAnalysis
Image Tagging
Answer Generation
Knowledge Studio
Video Augmentation
Usage Insights
Factoid Pipeline
Decision Support
Decision Optimization
Criteria Classification
Knowledge Canvas
Easy Adaptation
Language
Speech
Vision
Data Insights
Coming soon
The Watson that competed
on Jeopardy! in 2011
comprised what is now a
single API - Q&A - built on
five underlying
technologies.
Since then, Watson has
grown to a family of 28
APIs.
By the end of 2016, there will
be nearly 50 Watson APIs -
with more added every year
https://ibm.biz/BdHDyT

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Effects on Investors
Many more “Aha” Moments
Share data
Trust
Investments£
Personal experience
Educated Engaged Enlightened

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Effects on Your Business
Scale, Growth and Profitability
Visibility and Insight
Best Actions
New offerings, Products and Partnerships
Richer Datasets

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Examples
CES 2016 IBM Keynote

15. 1515 © 2016 IBM Corporation
https://ibm.biz/BdHCGz https://cognitoys.com
IBM World of Watson YouTube

16. 1616 © 2016 IBM Corporation