- Investors – anticipate to get standardized advice through digital channels at any time of their choice, low cost, through self-service mode
- Advisers- consequently align the merchandises and rely extensively on analytics capabilities of the Robo Advisor to examine investor’s profile and inclination
- Dealer Groups & Product Makers- keep the standardized products off-the-shelf to satisfy investor’s demand, e.g., wraps
- Asset Managers, Banks & Insurers – Create and distribute products especially targeted at the investors who need low cost, standardized products, e.g., index funds
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