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Higher qualifications and ongoing training have the power to transform financial advice, but the industry is yet to realise the full potential of educational technology (edtech) innovation and its applications to this sector.

Artificial intelligence is the next big thing. The impact for financial advice and advisers is positive, profound and, I have to say, imminent. When global information technology research firm Gartner issued its strategic technology predictions for 2017 last October, artificial intelligence and advanced machine learning themes led the top 10.