{"id":3471,"date":"2016-11-20T06:24:27","date_gmt":"2016-11-20T06:24:27","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=3471"},"modified":"2019-04-12T17:20:56","modified_gmt":"2019-04-12T17:20:56","slug":"business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii\/","title":{"rendered":"Business Model analysis of US leading Robo Advisor Wealthfront &#8211; Part II"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong><a href=\"https:\/\/www.wealthfront.com\/\">Wealthfront<\/a> is a market leader among automated investment advisors, also known as <em>\u201crobo-advisors\u201d<\/em>, which are a <a href=\"http:\/\/www.nytimes.com\/2016\/04\/08\/business\/dealbook\/new-financial-investment-rules-may-aid-robo-advisers.html?_r=0\" class=\"broken_link\">disruptive force<\/a> in the wealth management and financial advisory industry.<\/strong><\/p>\n<h3 style=\"text-align: justify;\">Overview of the Financial Advisory Market<\/h3>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/11\/Techfoliance_wealthfront_business-analysis-1.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-3476 size-full aligncenter\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/11\/Techfoliance_wealthfront_business-analysis-1.png\" alt=\"techfoliance_wealthfront_business-analysis\" width=\"540\" height=\"391\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/11\/Techfoliance_wealthfront_business-analysis-1.png 540w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/11\/Techfoliance_wealthfront_business-analysis-1-300x217.png 300w\" sizes=\"(max-width: 540px) 100vw, 540px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">[tabs tab1=&#8221;<strong>Accessibility<\/strong>&#8221; tab2=&#8221;<strong>Cost<\/strong>&#8221; tab3=&#8221;<strong>Service<\/strong>&#8220;]<br \/>\n[tab]<\/p>\n<p style=\"text-align: justify;\">Understand it as the\u00a0online distribution channel for wealth management services (<span style=\"color: #339966;\"><strong>Green<\/strong><\/span> = easily accessible, <span style=\"color: #ff9900;\"><strong>Orange<\/strong><\/span> = medium and <span style=\"color: #ff0000;\"><strong>Red<\/strong><\/span> = less accessible).<\/p>\n<p style=\"text-align: justify;\">[\/tab]<br \/>\n[tab]<\/p>\n<p style=\"text-align: justify;\">The larger the bullet is\u00a0the higher the cost will be.<\/p>\n<p style=\"text-align: justify;\">[\/tab]<br \/>\n[tab]<\/p>\n<p style=\"text-align: justify;\">All companies graded on 6 selected key services (automatic rebalancing, budgeting tool, aggregator, automatic tax loss harvesting, ultimate tax loss harvesting, goal setting)<\/p>\n<p style=\"text-align: justify;\">[\/tab]<br \/>\n[\/tabs]<\/p>\n<h3 style=\"text-align: justify;\">Positioning Wealthfront in the competitors landscape<\/h3>\n<p style=\"text-align: justify;\">In our view, it can realistically aspires to be number 1\u00a0in one or more segments of this market. Wealthfront has entered the financial advisory space by focusing on\u00a0an <strong>underserved client<\/strong> segment. The company\u2019s ambition is transformational both in terms of <strong>offering a new product<\/strong> and regarding its <strong>initial target client segment<\/strong>, hence we view its <strong>competitive strategy as mainly \u201cfurther-out\u201d<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Consistent with being \u2018further-out\u2019, Wealthfront is an innovator in a few components of the ten types of innovation framework (Doblin), notably Process, Product System, Service and Customer Engagement.<\/p>\n<p style=\"text-align: justify;\">Our choice of a visual framework with 2 customized axes illustrates\u00a0how Wealthfront differentiates itself from the traditional offerings that dominate the market and from other disruptors.<\/p>\n<p style=\"text-align: justify;\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-3289 size-medium alignright\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_robo-advisor-US-300x223.png\" alt=\"techfoliance_wealthfront_robo-advisor-us\" width=\"300\" height=\"223\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_robo-advisor-US-300x223.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_robo-advisor-US-768x570.png 768w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_robo-advisor-US-700x519.png 700w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_robo-advisor-US.png 960w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>The company focuses on passive investors who prefer <strong>full automation<\/strong>, as shown\u00a0on the y-axis. The company targets <em>millennials<\/em>, who are <strong>cost sensitive<\/strong> due to their lower asset base. Our visual framework reflects Wealthfront\u2019s competitive advantages in <strong>customer interface innovation<\/strong> or accessibility, breadth of service and cost-to-serve.<\/p>\n<p style=\"text-align: justify;\">We believe that Wealthfront can maintain its competitive edge by <strong>adding further services<\/strong>, in particular reinforcing the company\u2019s capabilities within <strong>AI<\/strong>, and combining them with its lean and user-centered configuration. Wealthfront will benefit from economies of scale due to its <strong>high proportion of fixed (technology) costs<\/strong>. Its focus on AI will enhance the customer insight and experience and bring <strong>efficiencies of scale<\/strong> thus increasing <strong>retention rates<\/strong>. The initial R&amp;D required to compete with its product offering is a barrier to entry for new disruptors.<\/p>\n<p style=\"text-align: justify;\">Direct integration with platforms like Venmo, Redfin, Lending Club, Coinbase and distribution channels including bank accounts and external brokerage accounts will reinforce their competitive advantage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wealthfront is a market leader among automated investment advisors, also known as \u201crobo-advisors\u201d, which are a disruptive force in the wealth management and financial advisory industry. Overview of the Financial Advisory Market &nbsp; [tabs tab1=&#8221;Accessibility&#8221; tab2=&#8221;Cost&#8221; tab3=&#8221;Service&#8220;] [tab] Understand it as the\u00a0online distribution channel for wealth management services (Green = easily accessible, Orange = medium [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":3294,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551,2186],"tags":[240,1086,1087,1088,1089,636,1090,170,433,228,422,245,510,1027],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Model analysis of US leading Robo Advisor Wealthfront - Part II - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Model analysis of US leading Robo Advisor Wealthfront - Part II - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"Wealthfront is a market leader among automated investment advisors, also known as \u201crobo-advisors\u201d, which are a disruptive force in the wealth management and financial advisory industry. Overview of the Financial Advisory Market &nbsp; [tabs tab1=&#8221;Accessibility&#8221; tab2=&#8221;Cost&#8221; tab3=&#8221;Service&#8220;] [tab] Understand it as the\u00a0online distribution channel for wealth management services (Green = easily accessible, Orange = medium [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/analyses\/business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-20T06:24:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-12T17:20:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_wealthfront_leading-roboadvisor-in-the-us_business-analysis.png\" \/>\n\t<meta property=\"og:image:width\" content=\"961\" \/>\n\t<meta property=\"og:image:height\" content=\"410\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Xavier Gomez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/Xbond49\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Xavier Gomez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/business-model-analysis-of-us-leading-robo-advisor-wealthfront-part-ii\/\"},\"author\":{\"name\":\"Xavier Gomez\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/c963e158282ffce0840760cbbefbcb4f\"},\"headline\":\"Business Model analysis of US leading Robo Advisor Wealthfront &#8211; 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