It is done by various possible people such as investment managers, wealth managers, financial advisers and even accountants. Since just a few years a range of new fintechs hit the market with so-called robo-advisers or automated financial advice tools. They have been popping up (and keep popping up) in no time and some already even dissapeared. It will be hard for robo-adviser startups to scale; differentiating their services is key. Robo-advisers, essentially software tools driven by artificial intelligence and crunching loads of data, are predicted to be an important growing category of fintech.

ORLANDO, Fla., October 18, 2016 View All Press Releases Gartner Reveals Top Predictions for IT Organizations and Users in 2017 and Beyond Analysts Explore the Digital Future at Gartner Symposium/ITxpo 2016, October 16-20 in Orlando Gartner, Inc. today revealed its top predictions for 2017 and beyond. Gartner's top predictions for 2017 examine three fundamental effects of continued digital innovation: experience and engagement, business innovation, and the secondary effects that result from increased digital capabilities. "Gartner's top strategic predictions continue to offer a provocative look at what might happen in some of the most critical areas of technology evolution. At the core of future outcomes is the notion of digital disruption, which has moved from an infrequent inconvenience to a consistent stream of change that is redefining markets and entire industries," said Daryl Plummer, managing vice president, chief of research and Gartner Fellow. "Last year, we said digital changes were coming fast. This year the acceleration continues and may cause secondary effects that have wide-ranging impact on people and technology."

Academic scientists devote their lives to research, often toiling away on problems that few people outside their discipline fully understand. Perhaps some are driven by pure curiosity or competition, while others have a personal interest in the topic at hand. For Shirley Pepke, a genomics researcher based in Los Angeles, the urgency to find answers comes from her own instinct for survival. Since 2014, she has been working on a tool capable of tailoring ovarian cancer treatment to each patient using genomics data and a machine learning algorithm. The first subject in this DIY precision medicine project was Pepke herself, who was diagnosed with stage IIIC ovarian cancer in September 2013.

The new, hippest technology product comes in innovative packaging, is very expensive and comes with an advertising campaign that boasts of how its obsessive engineering makes it the best in the world. Casper is the company at the forefront of a technology (and marketing) revolution that's seeing perhaps one of the most domestic and boring of products – bedding – become this year's must-have tech product. And that's entirely on purpose: the company is being advertised on tech podcasts, and promotes its mattresses with the kind of fun marketing that would usually be reserved for a phone or a computer. It hasn't come easily, and it hasn't been as much of a trick as it might seem. Instead, the company says that it really is a tech company – and that it has the product to prove it.

Autism spectrum disorder (ASD) is typically diagnosed in early childhood, but genetic detection of this brain disorder could mean more timely interventions that improve life for the patient and their carers. A new study suggests that machine learning algorithms might be used to analyze genetic data that points to an autism spectrum disorder diagnosis before symptoms become obvious. Fuad Alkoot of PAAET in Kuwait, and Abdullah Alqallaf of Kuwait University, Kuwait, explain that unlike other conditions, such as cancer, little heed has been taken to the possibility of early genetic detection of autism. This is despite the fact that an early diagnosis could be very useful to parents and carers. The team has now developed a four-stage computerized neural network system for testing simplified genetic data.

AI for short -- has already changed the way businesses operate. Its role in streamlining manufacturing and production is well-known. But AI is also transforming the way companies interact with customers. That's good news since the ability to consistently deliver an excellent customer experience is critical for companies in today's hyper-competitive economy. There are some incredibly exciting developments on the horizon as the IoT expands and AI tools become more advanced.

You won't be surprised to learn that blockchain, still five to ten years from mainstream adoption, nears the peak of the Gartner Hype Cycle for Emerging Technologies, 2016. With its ability to store multiple bank transactions in one centralized ledger, accessible by all parties and regulated by a decentralized network, blockchain will have a transformational impact on business. While bitcoin steals the show as the only proven blockchain, the term blockchain has grown to encapsulate nearly two dozen distributed-ledger products with more than two dozen offerings in the market, thus the hype. Right now, blockchain is gaining traction because it holds the promise to transform industry operating models. It is also one example of an enabling technology of the platform revolution trend, one of the three trends along with transparently immersive experiences and perceptual smart machine age highlighted in the Hype Cycle for Emerging Technologies 2016.

Techies are tackling food waste with artificial intelligence through an app that learns the fruit and veg storage habits of it users. The EatBy kitchen management and grocery list app automatically suggests how long fruit, veg and frozen items will stay fresh for and then reminds you to use them up before they go off. The clever bit, according to the developers, is that the app learns the storage habits of individual users. "Not everyone's kitchen is the same, and different food storage environments effect shelf life," said EatBy App's co-founder Steffan Lewis. "EatBy App addresses this problem by learning as it's used over time." He added: "Artificial Intelligence does not need to be scary.

Robots are taking over your job…and there's nothing you can do. By Amro Zakaria Abdu Human advancement throughout history can largely be credited to our ability to invent machines that increase our productivity and efficiency. Those tools allowed us to overcome the physical limitations of the human body and that of the animals we used, and as a result, territories were conquered, societies reshaped, and the dream of economic prosperity became a reality for millions. At the turn of the 19th century, the U.S. was a nation of farmers--39 percent of the population earned their livelihood through farming. The tractor was then introduced, resulting in profound changes such as the total replacement of work animals, consolidation of farms as seen in the increase in the average farm size from 60 to 200 hectares by the 1940's. Furthermore, the percentage of the population working in farming dropped to under 2 percent by the end of the century.

Computer algorithms can interpret echocardiographic images and distinguish between two similar heart conditions affecting young athletes, according to research published in the Journal of the American College of Cardiology. Researchers from the Icahn School of Medicine at Mount Sinai tested three different machine-learning algorithms for their effectiveness in the discrimination of physiological versus pathological hypertrophic cardiomyopathy. Pathological hypertrophic cardiomyopathy (HCM), in which a portion of the myocardium enlarges, leading to impaired heart function, is the leading cause of sudden death in young athletes. Distinguishing between it and physiological hypertrophy (heart enlargement often due to exercise) generally requires testing for the two conditions with interpretation by a highly trained cardiologist, according to an announcement. "This demonstrates how machine-learning models and other smart interpretation systems could help to efficiently analyze and process large volumes of cardiac ultrasound data, and with the growth of telemedicine, it could enable cardiac diagnoses even in the most resource-burdened areas," said study author Joel Dudley, Ph.D.