Future of Finance: What Happens When Everyone Has Access?

For generations, large parts of finance were difficult to access. Investing required brokers, financial advice was expensive, international payments were cumbersome, and many financial products were built for a relatively narrow group of customers.

That has changed dramatically.

Today, almost anyone with a smartphone can invest, trade, save, move money internationally, access financial information and increasingly receive personalised financial guidance.

So what happens when access is no longer the biggest barrier?

This conversation will explore what the democratisation of finance means for consumers, institutions and the next generation of fintech. Does easier access actually translate into better financial outcomes? How do financial literacy, trust and good decision-making evolve when people have more tools and information than ever before? And as AI makes sophisticated financial products and advice increasingly available to everyone, where does the next competitive advantage in finance come from?

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