Vortrag von Oliver Dreiskämper: Due to clients behavior, the German banking market is changing drastically and new technology is emerging. This session will give a brief overview around shifts in the retail market and the new business models of robo advisors entering it. With the example of ROBIN – Robo Advisor of Deutsche Bank – we will enter a discussion of threats and strategic opportunities opening with the introduction of a disruptive business model in a universal bank. We will close with a deep dive into the investment process of ROBIN focused on  methodology used based on ETF and a risk engine.