Good or Bad Robots? Responsible Robo-Advising

Q2 Social Sciences

European Business Law Review Pub Date : 2022-07-01 DOI:10.54648/eulr2022030

Marika Salo-Lahti

引用次数: 1

Abstract

FinTech has changed the way financial services are produced and delivered.1 As the Digital Finance Strategy for the EU put it: the future of finance is digital. Digital finance has also helped people and businesses tackle the unprecedented challenges caused by the COVID-19 pandemic. We increasingly rely on digital and remote technologies. The role of regulation is to make sure that these technologies are used in a responsible way.2 Robo-advising is one of the innovations relating to FinTech. This article addresses central challenges and risks in robo-advising, and the regulatory means to tackle them. When these challenges are resolved, robo-advising can provide customers with an easy-to-use, cost-effective and flexible service. FinTech, Investment advising, Robo-advising, MiFID II, Responsibility, Algorithm, Information security, Cybersecurity, Financial literacy, Legal Design

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好机器人还是坏机器人？负责任的机器人咨询

金融科技改变了金融服务的生产和提供方式。1正如欧盟数字金融战略所说：金融的未来是数字化的。数字金融还帮助人们和企业应对新冠肺炎疫情带来的前所未有的挑战。我们越来越依赖数字和远程技术。监管的作用是确保这些技术以负责任的方式使用。2机器人咨询是与金融科技相关的创新之一。本文论述了机器人咨询的核心挑战和风险，以及应对这些挑战和风险的监管手段。当这些挑战得到解决时，机器人咨询可以为客户提供易于使用、经济高效和灵活的服务。金融科技、投资咨询、机器人咨询、MiFID II、责任、算法、信息安全、网络安全、金融知识、法律设计

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

European Business Law Review Social Sciences-Law

CiteScore

1.10

自引率

0.00%

发文量

期刊介绍： The mission of the European Business Law Review is to provide a forum for analysis and discussion of business law, including European Union law and the laws of the Member States and other European countries, as well as legal frameworks and issues in international and comparative contexts. The Review moves freely over the boundaries that divide the law, and covers business law, broadly defined, in public or private law, domestic, European or international law. Our topics of interest include commercial, financial, corporate, private and regulatory laws with a broadly business dimension. The Review offers current, authoritative scholarship on a wide range of issues and developments, featuring contributors providing an international as well as a European perspective. The Review is an invaluable source of current scholarship, information, practical analysis, and expert guidance for all practising lawyers, advisers, and scholars dealing with European business law on a regular basis. The Review has over 25 years established the highest scholarly standards. It distinguishes itself as open-minded, embracing interests that appeal to the scholarly, practitioner and policy-making spheres. It practices strict routines of peer review. The Review imposes no word limit on submissions, subject to the appropriateness of the word length to the subject under discussion.