Robo-advisors

: How do they fit in the existing EU regulatory framework, in particular with regard to investor protection?

Autor(es):
Maume, Philipp
Parlamento Europeo. Dirección General de Políticas Internas. Departamento de Políticas Económicas, Científicas y de Calidad de Vida
Editor: Luxembourg : European Parliament, Policy Department for Economic, Scientific and Quality of Life Policies Directorate-General for Internal Policies, June 2021Descripción: 53 p. : graf. ; 1 documento PDFTipo de contenido: texto (visual)
Tipo de medio: electrónico
Tipo de soporte: recurso en línea
ISBN: 978-92-846-8301-7 (print); 978-92-846-8302-4 (PDF)Tema(s): Economía digital | Business models | EU | Financial stability | IA | Legislation | Machine learning | Market development | MiFID2 | Transformación digitalRecursos en línea: Acceso al documento Resumen: This study analyses if and to what extent the current EU legal framework provides effective investor protection for customers of robo-advisors. It puts emphasis on structural conflicts of interests, the difficulties presented by the supervision of algorithms, and potential threats to the stability of the financial system. The aim of this analysis is to outline the nature of robo-advisors in a broad sense, including an overview of the main business models, such as (semi) automated investment advice alone or mixed models, i.e. in combination with portfolio management and/or order execution platforms/brokerage service, whether automated or not; to map the current robo-advisory landscape, in terms of size and trends of the market, based on available data and research; to give a brief overview of the potential benefits and risks brought by robo-advisors, in particular specific emerging risks and opportunities linked to the use of artificial intelligence (AI), machine learning, and Big Data, in this sector; to provide an analysis of how robo-advisors fit into the existing EU framework, and in particular identify key challenges with its application to robo-advisors as well as potential gaps, with a particular focus on investor protection and financial stability; and to provide an analysis of whether the current EU framework is sufficient to address the specific risks and challenges brought by robo-advisors or whether it needs to be reformed. If necessary and appropriate, make policy recommendations on additional measures to put in place.
Lista(s) en las que aparece este ítem: Novedades Julio 2021
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Colección digital Acceso libre online pdf 1000020176827

En la cubierta: "Study Requested by the ECON committee"

Bibliografía: p. 50-53

This study analyses if and to what extent the current EU legal framework provides effective investor protection for customers of robo-advisors. It puts emphasis on structural conflicts of interests, the difficulties presented by the supervision of algorithms, and potential threats to the stability of the financial system. The aim of this analysis is to outline the nature of robo-advisors in a broad sense, including an overview of the main business models, such as (semi) automated investment advice alone or mixed models, i.e. in combination with portfolio management and/or order execution platforms/brokerage service, whether automated or not; to map the current robo-advisory landscape, in terms of size and trends of the market, based on available data and research; to give a brief overview of the potential benefits and risks brought by robo-advisors, in particular specific emerging risks and opportunities linked to the use of artificial intelligence (AI), machine learning, and Big Data, in this sector; to provide an analysis of how robo-advisors fit into the existing EU framework, and in particular identify key challenges with its application to robo-advisors as well as potential gaps, with a particular focus on investor protection and financial stability; and to provide an analysis of whether the current EU framework is sufficient to address the specific risks and challenges brought by robo-advisors or whether it needs to be reformed. If necessary and appropriate, make policy recommendations on additional measures to put in place.

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