--- title: Riding the wave of robo advice and embracing change beyond the digital in financial services description: Before the tidal wave of disruption crashes down upon us, we must ask ourselves, do we want to be swept away or do we want to dive in headfirst and proudly ride its crest? image: https://www.bluechipcommunication.com.au/hubfs/Riding_the_wave_of_robo_advice_and_embracing_change_beyond_the_digital_in_financial_services.jpg --- [![Bluechip_Logo](https://cdn2.hubspot.net/hubfs/325503/Bluechip%20Assets/Images/Bluechip_Logo.svg "Bluechip_Logo")](https://www.bluechipcommunication.com.au/) ![Search-9](https://www.bluechipcommunication.com.au/hubfs/BlueChip%20website/Bluechip%20Assets/Images/Search-9.svg "Search-9") ![Close Icon (3)-1](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/Close%20Icon%20(3)-1.svg "Close Icon (3)-1") This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ** ![Close Icon (3)](https://cdn2.hubspot.net/hubfs/325503/Bluechip%20Assets/Images/Close%20Icon%20(3).svg "Close Icon (3)") ##### Knowledge Shared # Insights ##### All Articles ![](https://www.bluechipcommunication.com.au/hubfs/BlueChip%20website/Bluechip%20Assets/Images/down-filled-triangular-arrow.png) - [Financial Services (168)](https://www.bluechipcommunication.com.au/blog/topic/financial-services) - [Public Relations (133)](https://www.bluechipcommunication.com.au/blog/topic/public-relations) - [Marketing (111)](https://www.bluechipcommunication.com.au/blog/topic/marketing) - [Social Media (101)](https://www.bluechipcommunication.com.au/blog/topic/social-media) - [Integrated Marketing (87)](https://www.bluechipcommunication.com.au/blog/topic/integrated-marketing) - [Reputation Management (79)](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) - [Crisis Management (61)](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) - [Growth (46)](https://www.bluechipcommunication.com.au/blog/topic/growth) - [Profile (41)](https://www.bluechipcommunication.com.au/blog/topic/profile) - [COVID-19 (40)](https://www.bluechipcommunication.com.au/blog/topic/covid-19) - [Protect (14)](https://www.bluechipcommunication.com.au/blog/topic/protect) - [BC Team (9)](https://www.bluechipcommunication.com.au/blog/topic/bc-team) - [Blog (7)](https://www.bluechipcommunication.com.au/blog/topic/blog) - [Leadership communication (6)](https://www.bluechipcommunication.com.au/blog/topic/leadership-communication) - [Cyber Security (3)](https://www.bluechipcommunication.com.au/blog/topic/cyber-security) - [Client In The News (2)](https://www.bluechipcommunication.com.au/blog/topic/client-in-the-news) [Client In The News](https://www.bluechipcommunication.com.au/blog/topic/client-in-the-news) ### [Melos Sulicich shares SME success tips on Money News’ “Let’s Talk Business”](https://www.bluechipcommunication.com.au/blog/melos-sulicich-shares-sme-success-tips-on-money-news-lets-talk-business) Melos Sulicich, CEO of Bank of Sydney was interviewed by 2GB’s Money News "Let's Talk Business" segment with Scott Haywood. He shared tips for family-run businesses to make sure ev... [Client In The News](https://www.bluechipcommunication.com.au/blog/topic/client-in-the-news) ### [Target hostile countries, not us, drug giant CSL tells Trump](https://www.bluechipcommunication.com.au/blog/target-hostile-countries-not-us-drug-giant-csl-tells-trump) This is an extract from an article written by Michael Smith and Jessica Gardner in The Australian Financial Review. Published on the 10th July 2025. “It is weighing on the share pr... - ##### [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) - ##### [Marketing](https://www.bluechipcommunication.com.au/blog/topic/marketing) - ##### [Growth](https://www.bluechipcommunication.com.au/blog/topic/growth) ## [Riding the wave of robo advice and embracing change beyond the digital in financial services](https://www.bluechipcommunication.com.au/blog/robo-advice-and-disruption-beyond-digital-in-financial-services) ###### By Nicole Leong ###### 18 Feb 2016 [Social Media](https://www.bluechipcommunication.com.au/blog/topic/social-media) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Growth](https://www.bluechipcommunication.com.au/blog/topic/growth) ##### [Reaching High Net Worth Individuals Through Social Media Marketing in 2025](https://www.bluechipcommunication.com.au/blog/how-target-high-net-worth-individuals-social-media) [Public Relations](https://www.bluechipcommunication.com.au/blog/topic/public-relations) [Reputation Management](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) [Crisis Management](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) ##### [The Science of Crisis Communication: Proactive and Reactive Strategies](https://www.bluechipcommunication.com.au/blog/proactive-and-reactive-crisis-communication-strategies) [Profile](https://www.bluechipcommunication.com.au/blog/topic/profile) ##### [Affluence. Effluence. Influence. Do you know the difference?](https://www.bluechipcommunication.com.au/blog/affluence-effluence-influence-do-you-know-the-difference/) [Public Relations](https://www.bluechipcommunication.com.au/blog/topic/public-relations) [Reputation Management](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) [Crisis Management](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) ##### [Introduction to Crisis Communication](https://www.bluechipcommunication.com.au/blog/introduction-to-crisis-communication) # Insights. [Back to all articles](https://www.bluechipcommunication.com.au/blog) - Share - [![](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/facebook.svg) ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.bluechipcommunication.com.au%2Fblog%2Frobo-advice-and-disruption-beyond-digital-in-financial-services) - [![](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/linked%20in.svg) ](http://www.linkedin.com/shareArticle?mini=true&url=https://www.bluechipcommunication.com.au/blog/robo-advice-and-disruption-beyond-digital-in-financial-services) - [![](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/twitter-1.svg) ](https://www.twitter.com/share?url=https%3A%2F%2Fwww.bluechipcommunication.com.au%2Fblog%2Frobo-advice-and-disruption-beyond-digital-in-financial-services) ![Riding_the_wave_of_robo_advice_and_embracing_change_beyond_the_digital_in_financial_services_B.jpg](https://www.bluechipcommunication.com.au/hs-fs/hubfs/Riding_the_wave_of_robo_advice_and_embracing_change_beyond_the_digital_in_financial_services_B.jpg?width=640&name=Riding_the_wave_of_robo_advice_and_embracing_change_beyond_the_digital_in_financial_services_B.jpg "Riding_the_wave_of_robo_advice_and_embracing_change_beyond_the_digital_in_financial_services_B.jpg") This year’s World Economic Forum Annual Meeting (Davos 2016) explored the idea that we are on the cusp of a Fourth Industrial Revolution. While some may argue that we are still within the Third (digital) Revolution, which began decades ago, what distinguishes the imminent Fourth is the unprecedented velocity and expanse of impact that already we’ve seen start to reshape the world as we know it. *![KLAUS.jpg](https://www.bluechipcommunication.com.au/hs-fs/hubfs/KLAUS.jpg?width=600&name=KLAUS.jpg "KLAUS.jpg")* *"We must develop a comprehensive and globally shared view of how technology is affecting our lives and reshaping our economic, social, cultural, and human environments. There has never been a time of greater promise, or greater peril*.” - Professor Klaus Schwab, the Forum’s founder and executive chairman. In the financial services industry we have seen glimpses of the Fourth through the first rolling waves of disruption, in the form of innovation that has been more aggressive in the last couple of years than the last twenty combined. But before the tidal wave of change crashes down upon us, as we stand looking up in the shadow of its wake we must ask ourselves, do we want to be swept away or do we want to dive in headfirst and proudly ride its crest? At this year’s [SMSF National Conference](http://www.smsfconference.com/) this question was no doubt top of mind. These are a few perspectives we picked up to help you stay afloat: > [#SmsfAssoc](https://twitter.com/hashtag/SmsfAssoc?src=hash) there's disruptive and then there's disruptive. Don't disrupt the disruptive > > — Tim Miller SMSF (@TimMillerSMSF) [February 17, 2016](https://twitter.com/TimMillerSMSF/status/699746258311843844) > Disruptive industries take a foothold in a non mainstream market and eventually go nuts![#SMSFAssoc](https://twitter.com/hashtag/SMSFAssoc?src=hash) [@rexster](https://twitter.com/rexster) [pic.twitter.com/If6oPTCDRy](https://t.co/If6oPTCDRy) > > ![AmandaCassar_Tweet1.jpg](https://www.bluechipcommunication.com.au/hs-fs/hubfs/AmandaCassar_Tweet1.jpg?width=350&name=AmandaCassar_Tweet1.jpg "AmandaCassar_Tweet1.jpg") > > — Amanda Cassar (@FinanceChicks) [February 17, 2016](https://twitter.com/FinanceChicks/status/699748740173680640) > Would you back a large bank's/super fund's ability to innovate vs [#smsf](https://twitter.com/hashtag/smsf?src=hash) advisers? [@rexster](https://twitter.com/rexster) has his money on us [#smsf](https://twitter.com/hashtag/smsf?src=hash) [#SMSFAssoc](https://twitter.com/hashtag/SMSFAssoc?src=hash) > > — carden calder (@carden) [February 17, 2016](https://twitter.com/carden/status/699749841283510272) > Everything around you was created by people no smarter than you [@rexster](https://twitter.com/rexster) on Steve Jobs [#smsf](https://twitter.com/hashtag/smsf?src=hash) [#SMSFAssoc](https://twitter.com/hashtag/SMSFAssoc?src=hash) And the video [https://t.co/KCi0z6itNK](https://t.co/KCi0z6itNK) > > — carden calder (@carden) [February 17, 2016](https://twitter.com/carden/status/699753818964258816) > [#smsf](https://twitter.com/hashtag/smsf?src=hash) advisers HOW do you [#disrupt](https://twitter.com/hashtag/disrupt?src=hash)? [#SMSFAssoc](https://twitter.com/hashtag/SMSFAssoc?src=hash) Here's the skinny from [@rexster](https://twitter.com/rexster) [pic.twitter.com/ingCPOKZls](https://t.co/ingCPOKZls) > > ![CbYFKigWcAA3GFf.jpg](https://www.bluechipcommunication.com.au/hs-fs/hubfs/CbYFKigWcAA3GFf.jpg?width=601&height=450&name=CbYFKigWcAA3GFf.jpg "CbYFKigWcAA3GFf.jpg") > > — carden calder (@carden) [February 17, 2016](https://twitter.com/carden/status/699752470868791296) > [@SMSFassoc](https://twitter.com/SMSFassoc) when will technology and true automation disrupt the SMSF industry? [#specialinterestpresession](https://twitter.com/hashtag/specialinterestpresession?src=hash) > > — Neil Sparks (@SMSF_BT) [February 17, 2015](https://twitter.com/SMSF_BT/status/567809402952007680) Good question, Neil. Turning to the wealth management sector, which has been in dire need of some serious disruption, just today Macquarie’s new product, [Owners Advisory](https://www.ownersadvisory.com/), joined the likes of robo advice platforms [InvestSMART](https://www.investsmart.com.au/?gclid=CJbAxOyWgMsCFUhwvAodAKEDcQ), [StockSpot](http://www.stocksmart.com/) and [MapMyPlan](https://www.mapmyplan.com.au/) to offer customers expert financial advice precisely tailored to them through algorithmic analysis. To help navigate the variety of these platforms, we’ve drawn on our industry network to develop a robo advice industry landscape map. Through affordable fees and ease of use, the power of automation greatly reduces barriers to accessing sound financial advice – great news for the average Australian. As for the fears of the more conservative that robo advice may be a potential industry ‘terminator’, Financial Planning Association ([FPA](http://fpa.com.au)) leaders have tried their best to quell these by [explaining that robo advice simply frees up planners to focus more on strategic client work](https://www.bluechipcommunication.com.au/blog/man-vs-machine-is-fin-tech-and-robo-advice-really-a-threat-to-financial-planners-2/). Sounds a lot more like riding the crest than being swept away – if we all play our cards right! *Robo advice is the latest innovation in the wealth management industry globally. Download BlueChip's map of Australia’s robo advice landscape.* [![DOWNLOAD OUR ROBO ADVICE MAP](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/537730/9eea4663-b717-4ee1-a73a-10c968555d9b.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/537730/9eea4663-b717-4ee1-a73a-10c968555d9b) [![New call-to-action](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/537730/431002e3-250a-4808-8e24-851fccc589ac.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/537730/431002e3-250a-4808-8e24-851fccc589ac) [![how to drive your fame agenda](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/537730/353fa2e0-53b3-407b-b7b3-d03aa771c86d.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/537730/353fa2e0-53b3-407b-b7b3-d03aa771c86d) ## Related Posts [Reputation Management](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Crisis Management](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) [Protect](https://www.bluechipcommunication.com.au/blog/topic/protect) [Cyber Security](https://www.bluechipcommunication.com.au/blog/topic/cyber-security) [Leadership communication](https://www.bluechipcommunication.com.au/blog/topic/leadership-communication) ###### 03 July 2025 #### [Your Q2 Risk Radar: Crisis signals from ASIC, APRA and the Australian media](https://www.bluechipcommunication.com.au/blog/the-risk-radar-q2-2025) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Profile](https://www.bluechipcommunication.com.au/blog/topic/profile) [Leadership communication](https://www.bluechipcommunication.com.au/blog/topic/leadership-communication) ###### 18 February 2025 #### [What the RBA’s rate cut means for financial services leaders: Your chance to shape the conversation](https://www.bluechipcommunication.com.au/blog/the-rbas-rate-cut-financial-services-leaders) [Reputation Management](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Crisis Management](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) [Protect](https://www.bluechipcommunication.com.au/blog/topic/protect) [Leadership communication](https://www.bluechipcommunication.com.au/blog/topic/leadership-communication) ###### 06 February 2025 #### [Addressing Geopolitical Risks In Your Corporate Communications: The 2025 Guide](https://www.bluechipcommunication.com.au/blog/geopolitical-risks-in-pr-and-corporate-communications) [Social Media](https://www.bluechipcommunication.com.au/blog/topic/social-media) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Growth](https://www.bluechipcommunication.com.au/blog/topic/growth) ###### 07 August 2024 #### [Democrat or Demobrat? How meme-driven Gen Z marketing reached US politics and why it works](https://www.bluechipcommunication.com.au/blog/demobrat-is-gen-z-marketing) [Social Media](https://www.bluechipcommunication.com.au/blog/topic/social-media) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Growth](https://www.bluechipcommunication.com.au/blog/topic/growth) ###### 25 June 2024 #### [Reaching High Net Worth Individuals Through Social Media Marketing in 2025](https://www.bluechipcommunication.com.au/blog/how-target-high-net-worth-individuals-social-media) [Social Media](https://www.bluechipcommunication.com.au/blog/topic/social-media) [Financial Services](https://www.bluechipcommunication.com.au/blog/topic/financial-services) [Growth](https://www.bluechipcommunication.com.au/blog/topic/growth) ###### 19 June 2024 #### [The Dual Edge of Apple's AI Sword: Innovation and Implications](https://www.bluechipcommunication.com.au/blog/apple-intelligence-ai) ## Stay up to date ### Marketing insights you’ll want to read. Sign up for our newsletter ## Stay up to date ### Marketing insights you’ll want to read. Sign up for our newsletter ### Other Topics - [Financial Services (168)](https://www.bluechipcommunication.com.au/blog/topic/financial-services) - [Public Relations (133)](https://www.bluechipcommunication.com.au/blog/topic/public-relations) - [Marketing (111)](https://www.bluechipcommunication.com.au/blog/topic/marketing) - [Social Media (101)](https://www.bluechipcommunication.com.au/blog/topic/social-media) - [Integrated Marketing (87)](https://www.bluechipcommunication.com.au/blog/topic/integrated-marketing) - [Reputation Management (79)](https://www.bluechipcommunication.com.au/blog/topic/reputation-management) - [Crisis Management (61)](https://www.bluechipcommunication.com.au/blog/topic/crisis-management) - [Growth (46)](https://www.bluechipcommunication.com.au/blog/topic/growth) - [Profile (41)](https://www.bluechipcommunication.com.au/blog/topic/profile) - [COVID-19 (40)](https://www.bluechipcommunication.com.au/blog/topic/covid-19) - [Protect (14)](https://www.bluechipcommunication.com.au/blog/topic/protect) - [BC Team (9)](https://www.bluechipcommunication.com.au/blog/topic/bc-team) - [Blog (7)](https://www.bluechipcommunication.com.au/blog/topic/blog) - [Leadership communication (6)](https://www.bluechipcommunication.com.au/blog/topic/leadership-communication) - [Cyber Security (3)](https://www.bluechipcommunication.com.au/blog/topic/cyber-security) - [Client In The News (2)](https://www.bluechipcommunication.com.au/blog/topic/client-in-the-news) ![Logo white](https://cdn2.hubspot.net/hubfs/325503/Bluechip%20Assets/Images/Logo%20white.svg "Logo white") #### Strategy-led PR and marketing for financial services Level 2, 50 Bridge Street TWP, Quay Quarter Tower Sydney NSW 2000 [(02) 9018 8600](tel:%200290188600) [![Get in touch](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/537730/13bb9d57-6822-4724-8734-d9ae781694e1.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/537730/13bb9d57-6822-4724-8734-d9ae781694e1) [askus@bluechipcommunication.com.au](mailto:askus@bluechipcommunication.com.au) #### Connect with us - [![Facebook](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/facebook-17.svg)](https://www.facebook.com/BlueChipComm) - [![LinkedIn](https://www.bluechipcommunication.com.au/hubfs/Bluechip%20Assets/Images/linked%20in-17.svg)](https://www.linkedin.com/company/bluechip-communication/) ![](https://px.ads.linkedin.com/collect/?pid=2026306&fmt=gif)