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【2020 Solutions】 Robot financial management helps investors balance risks and profits

In the era of "if you don't manage your money, money will not care about you", how to avoid the risks of the investment market and grasp investment returns has become the biggest hope of investors. In order to overcome the human weaknesses of greed and fear, financial management robots developed through AI algorithms can help investors avoid disasters and enjoy fruitful profits in the treacherous and ever-changing financial market.

On March 17, 2020, affected by the global spread of the new coronavirus pneumonia (COVID-19, also known as Wuhan pneumonia), the U.S. stock market continued to plummet after opening, triggering the third circuit breaker in the U.S. stock market, which was also the fourth in history. After the circuit breaker, investors in the securities market were in distress and could not even escape for their lives. Before that, the financial management robot had suggested adjusting the proportion of stocks and bonds, reducing the proportion of high-risk stocks, increasing the proportion of relatively safe bonds, and adding high risk aversion Gold and other combinations enable investors to effectively reduce investment risks and losses.

Robotic financial management has two service models: B2B and B2C

The robot financial management service provided by Leading Information Technology Company provides investors with a stable financial management tool. Peng Hansheng, co-founder and CEO of Leading Information Technology, said that Leading Information Technology currently provides two service models. The first is the Taiwan B2B model, which is to cooperate with domestic financial institutions to provide robot financial algorithm engines, Artificial intelligence market prediction engine, jointly launch robot financial management services; the other is an American B2C model, aiming to serve Chinese American customers, self-developed intelligent financial management APP Growin, using AI and quantitative models to provide customized investment and financial management in ETFs and individual stocks. Serve.

Among them, due to restrictions on regulations, the B2B financial management robot launched by Leading in Taiwan is cooperating with the domestic financial industry, including banks, insurance, etc. Currently Leading's partners include an investment advisory and credit company, and a life insurance company. The company and two banks provide customer financial management robots as a trading tool that consumers can rely on.

In addition, Taiwan's leader in the information service industry - Jingcheng Information provides diversified financial information services to financial institutions. Liding also provides investors with investment portfolio recommendations for smart financial management by connecting APIs to the Jingcheng Information system.

Intelligent financial management APP Growin, use AI and quantitative models provide customized investment and financial services in ETFs and individual stocks

▲Smart financial management APP Growin uses AI and quantitative models to provide customized investment and financial services in ETFs and individual stocks

The financial regulations in the United States are relatively mature, allowing companies to set up online investment advisory companies. Liding connects with the U.S. brokerage system through APIs, and the partner is Interactive Brokers, the largest and No. 1 company in the United States. Broker), providing direct consumer services. Interactive Brokers customers can place orders directly through the APP and enjoy the services of the financial management robot. The iOS version is currently available for download. The robot financial management platform charges a management fee of 0.5%-1% of the investment amount every year. There are 10 investment portfolios for consumers to choose from. Stocks with high investment returns have higher management fees. If you choose relatively stable ETFs, the fees will be Less expensive.

The services of Liding Financial Management Robot are mainly focused on medium and long-term investment. Taking the United States as an example, the investment targets include 5,000 stocks and 2,000 ETFs in the U.S. market. Among them, the average investment return rate based on different risk investment portfolios is 4.5%. -18% or so, and ETF is between 4.5% and 9%. Introducing AI algorithms into investment and financial management can not only significantly reduce the impact of human emotions, but also enable disciplined execution of every investment decision, more effective prediction of the market, and immediate response to its trends.

Robotic financial management targets retired people and focuses on medium and long-term investment

▲Robotic financial management targets retired people and focuses on medium and long-term investment

Take the global stock market crash triggered by the impact of the new coronavirus as an example. The original investment portfolio of the financial management robot had a stock and bond ratio of 7 to 3 respectively. Shortly after the global stock market crash, it automatically reversed and adjusted to 3 to 7, that is, to increase the bond ratio. Proportion, reduce the proportion of stocks to avoid high investment risks. Peng Hansheng said that the financial management robot uses AI technology models to gather 18 important global market indicators and economic trend forecasts for the next 1-3 months. It can provide reversal suggestions when the market is about to fall sharply and avoid high investment risks. Therefore, in The losses were relatively minor amid a sharp decline in global stock markets. However, relatively speaking, when global stock markets rose sharply in April, the growth rate of financial management robots was relatively small, which is suitable for steady financial investors who pursue long-term performance.

Peng Hansheng said that investor financial management through AI algorithms can overcome the investment mistakes that ordinary investors are easily affected by emotions, news or irrational selling. At the same time, in the form of a basket investment portfolio, It can also effectively diversify risks and reduce investment losses.

Integrated learning concepts can achieve dynamic asset allocation effects

return on investment. The so-called "ensemble learning" solves a single prediction problem by building a combination of several models. Its working principle is to build multiple classifiers/models on the data set, each independently learn and make predictions, and these predictions are finally combined into a single prediction. The predictions are therefore better than those made by any single classifier.

In addition, using an "unsupervised" training and learning method, also known as "Hierarchical Clustering", the system will automatically classify the investment targets within the target range every month, allowing the machine to learn Financial report information, value investment, and then improve operational performance.

The choice of robot financial management as an entrepreneurial theme is mainly related to Peng Hansheng's financial engineering background. He graduated from the Department of Finance at Tsinghua University and later went to Columbia University to study financial mathematics. After graduation, he entered Wall Street to engage in quantitative trading 2-3 year time. Three years ago, after witnessing the sudden ups and downs of the stock market and investors' irrational pursuit of highs and lows, resulting in investment failures, Peng Hansheng decided to contribute what he had learned to Taiwanese society and founded Liding Information Technology Company, specializing in robot financial services. It is hoped that through the new smart financial management method driven by AI, it can help investors avoid bad luck and manage their finances steadily.

The most difficult thing about promoting AI financial management is that according to statistics, when financial management robots make investment portfolio recommendations, up to 40% of investors do not follow them, unable to overcome human weaknesses, and the final result is a losing position. getting bigger. In addition, in the B2B robot financial management market, the business logic of banks and insurance industries is different from that of financial management robots. For example, banks specialize in wealth management, and high-end customers usually prefer direct service from financial specialists and do not like to interact with machines. Therefore, promotion in the banking industry is difficult. In the future, bank financial professionals or securities traders will be targeted, making the financial management robot an investment advice auxiliary tool for financial professionals and stock traders.

Co-founded by Li Ding Information Technology People and CEO Peng Hansheng

▲Peng Hansheng, co-founder and CEO of Liding Information Technology

「Translated content is generated by ChatGPT and is for reference only. Translation date:2024-05-19」

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【解決方案】破壞式創新商模 奇翼醫電推出行動醫療裝置- 心電圖傳感器 打造遠距醫療當中最後一塊拼圖
Disruptive innovative business model Qiyi Medical Electronics launches mobile medical device-ECG sensor to create the last piece of the puzzle in telemedicine

With the advent of the post-epidemic era, the development of global telemedicine is in the ascendant, which has greatly increased the demand for smart medical technology in decentralized medicine Among them, if mobile medical devices can provide real-world at home or outside the hospital data for use in hospitals, it is believed that it will reduce the burden of diagnosis and treatment on doctors or medical personnel and reduce health insurance expenses To this end, Singular Wings Medical has launched a comprehensive telemedicine solution, which combines excellent wearable mobile medical device design, innovative software development, AI algorithms and cloud platform services, and will become the last piece of telemedicine puzzle David Lee, the founder and general manager of Qiyi Medical Electronics, said that his original intention to start the business was because he witnessed Taiwan's long-term pursuit of low-cost mass production, which led to the continuous decline in the value of the industry For example, in the past thirty years, The output value of the former Silicon Valley was similar to that of Taiwan's Hsinchu Science Park, but thirty years later, the output value of Silicon Valley reached US14 trillion at the end of 2020, while the output value of Hsinchu Science Park was less than NT15 trillion at the end of 2021 Seeing Silicon Valley's sensitivity to industry needs and disruptive innovations such as Uber, Airbnb, industry trends and the post-epidemic era have driven a surge in telemedicine services, thereby creating high industry value, so I started a business at the age of 45 and conceived how to combine it with Taiwan After more than ten years of accumulated industrial advantages and Silicon Valley's innovative model, we decided to help Taiwan's industry upgrade and find a new path through the integration of the medical industry, ICT technology industry and innovative business models Seeing that Taiwan has always been a gathering place for the most 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Electric Energy will become the last piece of the telemedicine puzzle in the health wearable device-electrocardiogram service Li Weizhong said that in the short term, Qiyi Medical hopes to gain a firm foothold in Taiwan and become a common medical device in everyone's home, just like thermometers and blood pressure monitors The company is also constantly developing new indications Starting from electrocardiogram, coupled with AI and big data, it can deal with more chronic diseases In addition to cardiovascular diseases, we have also successively developed sleep apnea and other more special diseases The applications are aimed at the problems of elderly chronic diseases that modern people are very likely to encounter With a mid- to long-term plan, Qiyi Medical will enter the US and EU markets, become an international company, and continue to aim to become a data company, making good use of the company's long-term collection of data applications to provide services in diverse fields such 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【解決方案】輔人科技透過智慧感知床墊 心領神會 讓照護長輩變得有溫度
Furen Technology uses smart sensing mattresses to understand and make caring for the elders warm.

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Technology, said that he has been a caregiver for more than 10 years and recalled that his mother had A patient with severe mental illness spent 20-30 years in a nursing home Because he was reluctant to leave his elderly mother, Luo Yilin decided to shoulder the heavy responsibility of taking care of her In the past, my mother stayed in a nursing home for a long time, which made her unwilling to contact strangers and made her feel insecure about changes in the environment and space This is why Furen Technology "makes filial piety simpler without changing the living environment of the elderly" "Let the elderly live with dignity" as the ultimate goal of the product, we decided to use advanced sensing technology and AI analysis to deliver appropriate care information to caregivers, eliminating the physical and mental torture that caregivers experience when caring for the elderly We look forward to using smart care AI Technology makes interacting with elders easier Elder falls are the most 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In addition, Furen Technology is more active in international business development and product testing in Japan, Vietnam and Poland Regarding the mid-term planning, Luo Yilin believes that the care needs and services of the elderly cannot be completed independently by one industry Furen Technology looks forward to cooperating with more like-minded smart care industry players in the future By gathering the professional energy of each industry, we can build a complete Only with a diverse product chain mechanism can we work together to conquer domestic and foreign markets To this end, Luo Yilin hopes that the company can create an integration of the software, hardware and service ecosystem of the long-term care industry and realize its wish to make care simpler Looking forward to the future, Furen Technology will hope to move from long-term care to preventive medicine I believe that if preventive medicine is managed properly, it will definitely make a great contribution to saving the cost of long-term care Luo Yilin said that more importantly, it will help the elderly in their later life Halftime enjoys a more understanding quality of care and a bright and hopeful life Luo Yilin, CEO of Furen Technology「Translated content is generated by ChatGPT and is for reference only Translation date:2024-05-19」

【解決方案】台灣軟體科技實力媲美國際 Golface智慧服務促高球轉型
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applied directly through the user's account, and for severe violations, future access to the carts may be prohibited This achieves the goal of 'automation' ARES Smart Golf Cat is the world's first networked smart golf cart, officially in service since May 2022 'As labor costs continue to rise, recruiting and training caddies are becoming common pain points in the market While Taiwan's courses still employ caddies, there's a 70 labor shortage,' Tsung-Che Liao added This smart golf cart tablet, combined with a mobile app, has become the ultimate smart caddy Golface is striving to complete the last piece of the 'automated golf course' puzzle Amassing digital consumption trails for advanced client segmentation services Starting with consumer needs, Golface has sequentially launched services like the golf cart tablet, mobile app, golf reservation platform, instructional videos Golface TV, golf tourism, and smart carts The smart cart has been operational since May 2022, currently featuring four units with plans for mass production in the latter half of 2022 Although the cart currently requires manual operation by golfers, remote operation is anticipated early in 2023, with autonomous driving expected in the third phase Via the cart tablet and management system, staff can understand the status of the course through on-screen visual representations, showing each cart's real-time and relative location, departure times, and duration of service per hole, which aids course managers in monitoring on-course consumption effectively, thus reducing traffic jams and customer complaints 'Previously, we relied on staff's mental imagery now, we can employ imagery to visualize real-time situations on the course This makes it possible for those who don't understand golf to work in this field,' emphasized Tsung-Che Liao While course control has traditionally been handled by experienced professional players, the shortage of skilled professionals makes hiring even more challenging Therefore, replacing manpower with digital tools yields twice the result with half the effort The golf cart tablet has entered the Japanese golf market, installed at Fukuoka Century Golf Club Golface's golf cart tablet has been introduced to 14 domestic courses, and has now officially entered the Japanese market, favored by Fukuoka Century Golf Club, where tablets have been installed in carts providing automatic voice announcements for hitting strategies, distance measurements, and visual charts displaying hitting data During the COVID-19 pandemic, with borders closed, Golface utilized OTA technology to provide software updates and troubleshooting, ensuring uninterrupted services, which was highly appreciated by the Japanese golf courses Tsung-Che Liao remarks that Taiwan's software technology is not inferior to other countries like Japan, but more support from golf courses is needed to help transform the industry intelligently 'To assist in the transformation of golf courses, the first step is digitalization,' Liao pointed out By helping courses accumulate data and understand customer service cycles and hitting rhythms, it enables courses to avoid congestion and serve more customers To date, Golface has accumulated data on over 20,000 teams, 35 million scorecards, and over 10 million records This data helps enhance management performance, segment customer layers, reduce complaints, and plan marketing strategies for off-peak periods Golface co-founder and CEO Tsung-Che Liao has spent 9 years deepening intelligent golf services, aiming to build Taiwan's first golf entertainment platform「Translated content is generated by ChatGPT and is for reference only Translation date:2024-05-19」