Forget cloud computing and mobile applications ? they're so 2010.
So what are the next ?wow factor? tech trends, ideas and products that will rock the world of financial advisers and their clients in the not-so-distant future?
Chances are, they will en-compass the wizardry of ?big data? algorithms, wearable tech for go-anywhere advisers, video-game-inspired business applications, deep content analysis by supercomputers such as IBM's Watson, and software that has an uncanny ability to read facial expressions and emotions.
BIG DATA
Jeff Bezos, founder and chief executive of Amazon.com Inc., has made no secret of his ambition to collect as much data as possible on affluent consumers so that he can sell them not just books and other media but electronics, household appliances and even groceries. Big data is so big that even the smartest of technophiles have a hard time managing it. This is because it encompasses a huge flow of information about customers, products and services that companies have been gathering for years.
SMART OFFICE
The integrated smart office may be more of a designer's dream than a reality.
Technology will be less visible as computers disappear into user-friendly hardware, he said, noting that Fidelity has designed an ?office of the future? prototype on its Smithfield, R.I., campus that shows registered investment advisers how they will use all that new technology to better engage with their clients.
'GAMIFICATION'
Advisers take their work seriously, so the idea of bringing game dynamics into their practices to encourage desired client behavior can make them nervous. But consumer websites and online communities have been using game mechanics to motivate participation and loyalty for years.
SUPERCOMPUTING
International Business Machines Corp.'s supercomputer, Watson, won ?Jeopardy? in 2011 because it could sort and analyze vast amounts of data faster than its human competitors.
IBM is actively seeking to use Watson for industrial applications, and the supercomputer is moving into the realm of financial planning.
MIND READING
Mind reading used to be an illusion invented by magicians and tricksters, but in the future, advisers will be able to do some conjuring of their own with voice, mood and facial analytics.
Although mood and facial analytics haven't yet entered the financial services arena, Pershing is using voice analysis, a technology that is catching on at call centers. Customer calls to Pershing are analyzed for empathy expressed by company representatives, silent time on calls and behavioral cues when customers use phrases such as ?I'm so frustrated? and ?I can't believe this takes so long.?
Opportunity:
เมื่อเราทราบว่าเทรนด์ทางด้านเทคโนโลยีในอนาคตจะมีอะไรบ้าง องค์กรก็มีโอกาสในการเตรียมความพร้อมเพื่อไม่ให้ตกเทรนด์ และสามารถนำเทรนด์ที่จะเกิดขึ้นมาประยุกต์ใช้กับองค์กรได้ก่อน
Impact: ธุรกิจทั่วโลก
