B2B Robo Advisor

The robots aren't coming.

They're already here.

Robo advisors are taking over the job of old-school investment advisors by helping your average Jane and John balance taxable and retirement investment portfolios. These B2C robots take into account income, risk tolerance, and time horizon, doing the math just like the human counterparts they are replacing. Black box investing (i.e. computer driven decision-making) has been around for decades in the investing world. It works great...until that one exogenous event happens that nobody thought to program into the computer. A zombie apocalypse? A meteor? The election of a reality TV star as president? What? Could happen...

Anyway, it all works, until it doesn't. And then it doesn't work...badly.

Out of B2C robo advisors came the next-gen B2B robo advisors. B2B robo advisors are programs that are incorporated into businesses to provide creepily-fast and unbiased investment strategies and stock trading for those businesses. B2B robo advisors and their trading algorithms allow businesses to pass the savings of man-hours on to their clients. Hopefully these bots don't become self-aware.