로보어드바이저 기반 온라인 자산관리서비스 변화 방향에 관한 연구

Recently, the convergence of the 4th industrial revolution technology and innovative ICT development helps Fintech services to develop itself. By using RA based on artificial intelligence technology, online wealth management services are developing and also financial innovation is being pursued to lead the mass affluent of wealth management. This study aims to provide a direction for changes in RA-based online wealth management services based on an in-depth understanding of RA services and consideration of RA users" intentions, opportunities and potential risks. 1) Customized wealth management services focused on customer value. 2) Multi-channel construction with low cost structure. 3) Standardization of services and establishment of macro environment of investment risk. 4) Expansion of the hybrid RA service and portfolio. 5) They include self-cleaning efforts to protect consumers and strengthening supervision of management. Through this study, we expect to contribute to the virtuous circle of national economic development by mass affluent wealth management, enhancing the efficiency of investment assets, and promoting efficient brokerage of capital. It is also expected that stable wealth management by enhancing investment efficiency of the mass affluent will contribute to the increase of social values such as ensuring a healthy consumption and a prosperous life.