In his recent May Day speech, Prime Minister Lee Hsien Loong pointed out that new technology in banking is transforming the financial sector. Among the new services, he mentioned robo-advisers, which like our own CONNECT by Crossbridge, use technology to offer investors financial advice suited to their needs and circumstances. As the first robo-adviser in Singapore, our motivations for launching CONNECT by Crossbridge were simple. We found that affluent investors were not offered the investment options that are made available to wealthier clients through the private banks, and we knew that technology could open up those options to a wider audience. We launched a little under two years ago with personalised, multi-asset, goals-based portfolios meeting the risk profile and objectives of customers utilising the platform.