If Institutional Systems Are Supposed to Be More “Auditable, Accurate and Repeatable”… Why Don’t Advisers Trust Them? For years, one of the major arguments made by large financial services technology providers has been that institutional systems are inherently safer and more reliable than individuals using AI tools independently. The logic usually sounds something like this: … Continue reading Only 7% of Advisers Fully Trust Their Technology Outputs
Tag: technology
OpenAI’s New Financial Planning Tool Raises a Bigger Question: Who Shapes the Future of Financial Planning?
This week, OpenAI announced the launch of a new personal finance experience inside ChatGPT for US Pro users. "People are already turning to ChatGPT for help: more than 200 million people come to ChatGPT every month for budgeting, questions about their investments, comparing different paths, planning for future goals, and more." The system allows users to connect financial … Continue reading OpenAI’s New Financial Planning Tool Raises a Bigger Question: Who Shapes the Future of Financial Planning?
If Institutions Have AI, Regulators Have AI, and Scammers Have AI… Then Individuals Need AI Too
For years, technology in financial services was largely discussed as a productivity tool. Faster processing.Better reporting.Lower costs.More automation. But the conversation is now shifting. This week, the Financial Conduct Authority openly discussed the possibility of “robo-regulation” — a future where AI helps monitor firms, identify risks, detect misconduct, and supervise markets in real time. At … Continue reading If Institutions Have AI, Regulators Have AI, and Scammers Have AI… Then Individuals Need AI Too
The Industry Is Starting to Move Toward Total Wealth Planning
For years, many of us inside the Academy of Life Planning have felt like we were speaking a different language from the wider financial services industry. While much of the profession focused on: products, portfolios, regulation, platforms, and accumulation models, AoLP kept returning to a simpler question: “What do human beings actually need in order … Continue reading The Industry Is Starting to Move Toward Total Wealth Planning
Restore Human Agency — and What That Means for the Future of Financial Planning
For years, the financial planning profession has largely been built around one central assumption: People need experts to take control. Control of investments.Control of products.Control of complexity.Control of decision-making. That model made sense in an era where financial information was scarce, expensive, fragmented, and difficult for ordinary people to access. But the world has changed. … Continue reading Restore Human Agency — and What That Means for the Future of Financial Planning
The Faster the System Becomes, the More Capable People Must Become
The UK government has quietly signalled the direction of travel for the future of financial services. Faster approvals. Faster innovation. Faster regulation. More flexibility for firms. More strategic oversight. Less procedural friction. The recent HM Treasury consultation response on financial services regulatory reform makes the trajectory increasingly clear: the UK wants a more agile, competitive, … Continue reading The Faster the System Becomes, the More Capable People Must Become
Restoring Human Agency Without Surrendering Your Data, Judgement, or Autonomy
A recent legal sector survey revealed something deeply important — and not just for lawyers. Nearly 60% of legal professionals admitted using unapproved public AI tools such as free versions of ChatGPT for client work, despite confidentiality obligations and professional conduct rules. At the same time, many firm leaders believed their organisations faced “zero risk” … Continue reading Restoring Human Agency Without Surrendering Your Data, Judgement, or Autonomy
Institutional SaaS vs Human Agency
Why the Future of Financial Wellbeing May Depend on Who Controls the Operating System For decades, financial technology has largely been built for institutions. Not for people. The interfaces may have looked consumer-friendly.The branding may have spoken about empowerment, trust, and outcomes.But beneath the surface, much of the architecture of modern financial technology was designed … Continue reading Institutional SaaS vs Human Agency
The Leveller™ and the Public Interest Movement Toward Informed Consent
For years, consumer harm has often been framed as a personal failure. “You should have read the agreement.”“You signed it.”“You accepted the terms.” But a new UK Government consultation on the misuse of Non-Disclosure Agreements (NDAs) suggests something important is beginning to shift. The conversation is slowly moving away from:“Did someone sign?” Towards:“Did they truly … Continue reading The Leveller™ and the Public Interest Movement Toward Informed Consent
Help Us Prevent Financial Harm Before It Happens
Most people do not read terms and conditions before signing. Research regularly suggests around 7 in 10 people either never read them properly or only skim them. Not because they are careless. Because life is busy. Because contracts are overwhelming. Because sales environments create pressure. Because people trust the brand, adviser, broker, lender, provider, or … Continue reading Help Us Prevent Financial Harm Before It Happens
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