The voice of your AI will become the best digital distribution channel

The main rule of the personal finance game: investing is sold more than bought, like with insurance, because many households have cognitive biases when it comes to managing their money and don't behave like in the consuming world. Therefore, while many Robo-Advisors attempt to gain mass market adoption by promoting their offers with captive user experiences, their 100% digital effort might not be enough to change investors' behaviour in a short time. However, should western world banks go fully digital overnight, they would create more exclusion than inclusion because many final investors operate in a "push" modality; only a few self directed ones would know how to "pull" investment products. Being "pull" means going on digital with a purpose, like looking for a specific product on Amazon. While none of my friends have ever invited me to take a look at what is happening on Amazon, clearly many readers have been searching for my literature and newest book - best-selling "FinTech Innovation: from Robo-Advisors to Goal Based Investing and Gamification" - online.