Hi April,

I am not sure I entirely agree with your conclusions regarding the old guard and fintech. My view is that more and more investment will be automated via an app.

I am part of a group that made our own machine learning Quant trading program. We have two ML algos in service with first returning 0.5% per day and the second more aggressive at 1% per day.

While we are a new entity and small cap, our system in scalable and handles risk in real-time.

Why I differ from your conclusions is the fact that we are currently developing the above investment app that will allow the user smartphone account access to set risk tolerance and select the various automated trading systems. This product is part of iraslabs integrated with the largest email and data provider.