You came home early today. Yeah, I wasn't feeling too well so thought I would have an early night. I have a booming headache and a runny nose. Would you like me to order some cold and flu tablets? They should be with you tomorrow morning before you leave for work. Oh, by the way, I checked your bank account today and you have been good this month.

On August 1st in 1981, MTV launched, and the face of music changed forever. And again, in the early nineties and noughties when the internet gave rise to iTunes and Amazon. You don't see people carrying portable CD players or waiting in line to buy the latest album release. Algorithms, robots, automation, machine learning (the list goes on) are all technologies impacting our everyday lives and traditional industries, particularly the financial sector. Take credit cards -- only effectively differentiated on two fronts: eligibility and price.

Investment "robo-advisor" Wealthfront launched a major update Thursday that represents the company's first big step toward becoming an all-in-one financial hub, powered by artificial intelligence. The idea behind "Wealthfront 3.0," as CEO Adam Nash calls it, is to provide personalized financial recommendations for your entire life, many of which are made possible by linking to the APIs of other services. Nash tells Business Insider that integrations with other platforms like payments app Venmo, real-estate platform Redfin, and peer-to-peer lending startup Lending Club, are the backbone of this new push for the company. Wealthfront was started on the premise that an algorithm could construct you a better and more consistent investment portfolio than a traditional investment advisor -- and for lower fees. And that is still what it's most known for.