{"id":9222,"date":"2019-07-28T14:49:42","date_gmt":"2019-07-28T12:49:42","guid":{"rendered":"https:\/\/www.fluentis.com\/blog\/consulenza-finanziaria-automatizzata\/"},"modified":"2024-01-10T22:39:52","modified_gmt":"2024-01-10T21:39:52","slug":"consultanta-financiara-automatizata","status":"publish","type":"post","link":"https:\/\/www.fluentis.com\/ro\/blog\/consultanta-financiara-automatizata\/","title":{"rendered":"Consultan\u021ba financiar\u0103 automatizat\u0103"},"content":{"rendered":"\n<p><strong>Consultan\u021ba financiar\u0103 automatizat\u0103<\/strong>&nbsp;este un fenomen care devine din ce \u00een ce mai relevant nu doar pentru companii. De fapt, potrivit multor exper\u021bi din sector, \u00een viitor va fi folosit tot mai mult \u0219i de c\u0103tre persoane fizice.<\/p>\n\n\n\n<p>Acestea fiind spuse,&nbsp;<strong>care sunt dimensiunile reale ale fenomenului?<\/strong><br><strong>PwC&nbsp;<\/strong>(PricewaterhouseCoopers, o re\u021bea interna\u021bional\u0103 care opereaz\u0103 \u00een 158 de \u021b\u0103ri \u0219i care ofer\u0103 servicii de management \u0219i consultan\u021b\u0103 strategic\u0103) estimeaz\u0103 c\u0103 \u00een Italia ace\u0219ti robo\u021bi reprezint\u0103 0,06% din economii, \u00een Marea Britanie 0,12% \u0219i \u00een Germania 0,25% .<br>\u00cen general, Europa este cu mult \u00een urma puterilor industriale majore precum Statele Unite (unde robo\u021bii advisor reprezint\u0103 2% din pia\u021b\u0103), dar mai ales China, unde strategiile de gestionare a banilor de c\u0103tre algoritmi reprezint\u0103 4,26% din totalul AuM (Asset Under Management).<\/p>\n\n\n\n<p>Av\u00e2nd \u00een vedere dezvoltarea economic\u0103 a gigantului asiatic, num\u0103rul nu este surprinz\u0103tor. Cre\u0219terea sa, combinat\u0103 cu comportamentul consumatorilor, s-a potrivit perfect cu digitalizarea consumului.&nbsp; &nbsp;<\/p>\n\n\n\n<p>Dincolo de cultura unei \u021b\u0103ri \u0219i de costuri, este esen\u021bial s\u0103 \u00een\u021belegem performan\u021bele sistemelor automatizate.<\/p>\n\n\n\n<p>Potrivit exper\u021bilor, efectuarea de compara\u021bii cu sistemele clasice nu este u\u0219oar\u0103. \u00cen Statele Unite, PwC a efectuat o analiz\u0103 complex\u0103 a performan\u021belor simulate de portofoliu, \u00eentr-o perioad\u0103 destul de lung\u0103, \u00eentre 2012 \u0219i 2017. Cercet\u0103rile au ar\u0103tat c\u0103 robo\u021bii dep\u0103\u0219esc, \u00een general, benchmark-urile de referin\u021b\u0103. 75% dintre solu\u021biile date de robot advisors au dep\u0103\u0219it indicii de compara\u021bie.<\/p>\n\n\n\n<p>Condi\u021biile de cre\u0219tere a acestor tehnologii par s\u0103 existe, chiar \u0219i \u00een Italia. Probabil, pe de o parte, \u00een forma integrat\u0103 cu consultan\u021ba uman\u0103, iar pe de alt\u0103 parte, printr-un parteneriat \u00eentre Fintech \u0219i b\u0103nci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robo\u021bii consilieri gestioneaz\u0103 active din ce \u00een ce mai mari. Robot advisor este o tehnologie care, folosind algoritmi \u0219i big data, ofer\u0103 servicii de gestionare a activelor, excluz\u00e2nd aproape complet interven\u021bia uman\u0103.<\/p>\n","protected":false},"author":4,"featured_media":4272,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-9222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trend-tecnologici"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/posts\/9222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/comments?post=9222"}],"version-history":[{"count":6,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/posts\/9222\/revisions"}],"predecessor-version":[{"id":11243,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/posts\/9222\/revisions\/11243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/media\/4272"}],"wp:attachment":[{"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/media?parent=9222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/categories?post=9222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fluentis.com\/ro\/wp-json\/wp\/v2\/tags?post=9222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}