So here is a pitch you could make for the tech companies to get into finance. Simply replace <x> with either Amazon or Google 1. <x> Advisor: Retail investors

So here is a pitch you could make for the tech companies to get into finance. Simply replace <x> with either Amazon or Google 1. <x> Advisor: Retail investors are moving rapidly to passive tracking instruments such as ETFs, <x> can help educate investors on how to allocate their funds to this asset class based on individual risk/reward profiles. <x> can make better sense of all the data available and become the 'ultimate' robo-advisor. 2. <x> One View: <x> is in position to own account aggregation and build up an incredible view into the spending/saving habits of the general population in the developed world. Initiatives such as PSD2 in Europe will help fuel the growth in aggregation in the next few years. Going forward beyond simple read-only aggregation,combined with <x> Advisor and write-APIs to to financial institutions, <x> can allocate my funds to the best products across multiple different institutions in real-time. 3.<x> Bank: With my investments taken care of through <x> Advisor and One View whats left is a utilitarian bank account to manage my free cash flow on a daily basis. Something practical and highly functional without the fuss that offers features such as peer-to-peer FX swapping at mid rates when I go on holiday. This is where <x> could create the challenger bank people have been anticipating.