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Reducing the fees of various middlemen in fund management for equities, bonds, commodities, currencies
About
The aim of AIM Cube is to build an AI based Click & Invest Platform using customers investment objectives and helping them to re-evaluate how they invest, save costs and manage their investable assets in a market that continues to be disrupted by Covid19. Understanding and engaging customers around their investment needs is currently possible through various forms of qualitative research, mostly used for High-Net-Worth Individuals (HNWIs), but sadly the high cost structures puts it out of reach of the many individual investors who wanted to take control over their finances and without having advice available, have directly invested billions in individual equities, commodities, crypto and other investable assets. Recent improvements to Artificial Intelligence, Machine Learning and Natural Language Processing means we believe it is now possible to build these far superior qualitative customer insight methods as an online, automated investable solutions, risk management and platform to enable superior performance. Such a platform will enable thousands of customers and businesses to access an affordable method to understand, engage, trade and grow their investable assets far more efficiently, being faster and enabling higher returns on their investments than they currently get compared with direct investments in crypto, individual stocks, commodities or derivatives. In turn, this will also help build customer confidence so that their investment activities can flourish and grow, whilst minimising inefficient travel and the possible adverse health consequences of traditional face to face meetings and qualitative research methods. Who we are? AIM Cube is a B2B and B2C platform that "helps customers who want to take control over their finances by reducing costs and complexity and enabling them to make informed investment decisions". It allows companies and consumers to re-evaluate and improve their investment allocations and provide them with necessary financial education to enable them to take control over their finances. Scope AIM Cube's unique platform combines traditional asset classes such as equities, commodities and forex actively using machine learning and Big Data to improve the returns of the customers’ portfolio with newly emerging crypto investments. Emerging from the pandemic that has heightened investment uncertainty, people are trying to take more direct control over their investment decisions. An emerging "Click and invest" culture, accompanied by excessive investment in crypto stimulated the founder to create AIM Cube to provide financial education and assist investors to diversify.
Key Benefits
Our Motivation is: a. To maximise opportunities to re-engineer investment process presented by COVID19's crushing negative impact on the individual finances b. Grow financial literacy c. A passionate belief in our unique and innovative method, its exceptional value for clients, and it's demonstrable superiority over other methods. d. Benefit from opportunity for rapid growth. Automation gives a repeatable service, fast scale-up and increased employment opportunities. e. Disrupt the existing market with better methods. f. Blunt US pension fund, consultant led asset management industry (over $58 trillion managed by 30 gate keepers) and current market dominance with a competitive UK offer AIM Cube's unique platform combines traditional asset classes such as equities, commodities and forex and uses machine learning and Big Data to improve the returns of the customer's portfolio including coverage of emerging crypto investments. The pandemic has proved that there is no certainty in the markets and people have tried to exercise more control over their investment decision. A "Click and Invest" culture accompanied by excessive investment in crypto has resulted. AIM Cube provides financial education and enables better diversification of investments. First step of the process will be risk profiling to identify positioning across the 5 main investment groups from very risk averse, risk averse, balanced, risk prone and risk seeking to associate the correct level of risk with target returns. Loss aversion theory shows that losses may loom larger than gains and while people like making money, the pain of losses affects them disproportionally more than the gains may make them happy. Understanding and managing risks and returns against expectations is a fundamental concept curiously overlooked by most of the trading platforms and tools currently available to individual investors and companies. Using our unique research method, we wish to use and build AI and Natural Language Processing to: * Gather open, qualitative expectations of a customer's risk profile, providing the customer with a number of investment strategies as ‘lego blocks’, producing an expectations map that displays the elements of expected outcomes and the ideal customer experience. * Measure the actual return/risk while delivering the customer experience achieved against the core investment objectives. * Include competitor performance data for comparison. * Create a user-friendly dashboard that clearly pinpoints performance gaps; what needs to be changed; and by how much to achieve maximum benefit. KPMG's May 2020 survey reported that 67% of business leaders do not expect business ways of working to return to the pre-COVID state. Many studies in recent months (McKinsey, Deloitte, Gartner, and futurists like Rohit Talwar) agree that post-COVID19 recovery for any organisation depends on: a. An urgent need to examine changing customer expectations. b. Capitalising on changing opportunities to grow customer engagement and revenue growth c. Making changes to business processes We believe that latest advances in AI and Natural Language Processing mean that we can build a platform to deliver low cost/high performing investment strategies at affordable rates, just when it is needed most. It will also, according to our current analysis, lead the world in being the first investment platform to successfully "automate" traditional investment strategies with a machine learning overlay. Diversity Current market methods have built-in biases, creating equality, diversity and not necessarily delivering a satisfactory social impact. AIM Cube's method is unbiased, objective and independent. Current State of the Art limitations: a) Controls over $100 trillion/ over 80% of all investable assets b) Expensive with fees on fees and underperforming c) Regulators worried / DIY crypto bubble to pop (maybe also Asian market uncertainty?) – AGREED d) Customised investment products usually unavailable for the largest group of investors with investable assets of under £1M. e) Antiquated methods of portfolio management AIM Cube's existing, better than state of the art * Gathers expectations from customers directly; allows customers to state requirements in own words while also using AI to group customers to their relevant risk profiling groups * Innovative, unique trading platform * Utilises big data and machine learning in addition to using traditional portfolio modules * Deep analysis available at an accessible price * 20 years of asset management testing made available to customers * Innovative, valuable competitor comparisons PESTEL Challenges COVID19 is the tipping point for many social, environmental and economic changes in the marketplace and customer behaviours. All studies agree that most changes will endure, AIM Cube takes advantage of these new customer trends and provides an appropriate solution, balancing ESG and social impact requirements of the customer. [To be honest I do not really understand this answer but it is in line with the example given so it will do!]. – CLICK AND INVEST CULTURE INTIATED BY COVID, DIGITAL CULTURE AND INSTAT SERVIEC WILL STAY WVEN AFTER COVID Our Motivation is: a. Maximising opportunities presented by COVID19's crushing negative impact on the financial wealthfare of clients who have been acquiring individual investment holdings without advice or risk understanding.. b. Growing individual and institutional client base that need access to analysis and advice. c. A passionate belief in our unique and innovative platform; its exceptional value for clients; and it's demonstrable superiority over other platforms. d. Opportunity for rapid growth. e. Disrupting the existing market with better methods. f. Transparent, immutable contracts with payments to third parties and brokers all achieved in real time
Applications
Mobile device that can be tested and validated in real environments Prototype- functioning Generation of unique and registered IP Patent protection applied for in the UK and overseas Method of validation Endorsements from leading universities and investment platforms; publication of supportive analysis in credible bulletins as well as being peer-reviewed in journals; conference discussions/presentations; evidenced market progress; ; further finance/funding successfully being secured Though a tiny player in a fragmented field, we will use our unique offering to grow rapidly. We passionately believe we are providing an innovative approach, providing deeper insights than alternatives. Route to Market Post-project we will extend our current position by selling through: a. 12 international alliance contracted partners in 7 countries. (5 current prospects in play). b. Institutional platforms (3 current prospects in play) c. Our network of 5 independent introducers (3 current prospects in play) d. Ultimately, via digital banks and other digital offerings; COVID19 make an online process easier to market. Our target clients e. Historically our clients have been large, blue-chip organisations. However, the target clients for our automated offering will instead be the individual investors, or smaller wealth management companies with less access to high quality analysis due to cost issues as well as institutional investment platforms f. If using competitors, our prospective users currently get access to hard-to-understand trading platforms without any adequate portfolio building methodology, risk/return simulation downside risk management or educational support g. Today we provide a high value AI driven investment platform. We would prefer not to sell to larger companies at this stage where with long sales cycles and legal and procurement barriers exist. Low brand awareness makes selling harder to such organisations. h. AI makes sales to SMEs easier (fewer buying process barriers, decision making faster, more ambitious and open to innovative disruptive ideas). Benefits to the target client Our AI service will be attractive to an increasing number of prospects. Individual investors like: a. Control over their financial decisions, b. Innovative intuitive displays of information and execution c. Portfolio builder capability to improve investment decisions. d. Fast execution e. Using data to enable superior choices [If this point applies to business customers rather than individual investors, it could be described as ‘In the B2B market, users will be given access to superior data and analysis’] f. Compensation through higher returns for the portfolio against the relative risk taken g. Informed financial decisions protecting client wealth WORDS REMAINING 75 WIDER IMPACT Technological (e.g. disruptive technologies including Blockchain - AIM Cube will enable seamless crypto execution and Smart Contracts)