Japan’s financial sector is poised for an overhaul with the introduction of innovative online platforms, called “Robo-advisors,” which offer investment advice based on sophisticated computer programs that can evaluate portfolios in real time. But such services will have to overcome a strong cultural bias for the security of traditional savings accounts. For Robo-advisors to be successful, it will be important to expand the market’s reach to include younger generations in the midst of becoming financially literate and seniors with little technology experience.
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