Kirsty Adamson: Embracing the future, adapting to innovation

Fintech is having a major impact on the financial services market. Even in a sector that has traditionally resisted technological change, products that automate investment, insurance and risk management and that employ artificial intelligence and intuitive, customer-friendly technology are becoming increasingly prevalent. A survey carried out by Panacea Adviser in July 2016 found 89% of advisers regarded robo-advice as a threat to their business, rather than a potential opportunity. In a more recent survey, however, Panacea Adviser found 20% of advisers are in the process of incorporatin...