THE EVOLVING LANDSCAPE OF ROBO-ADVISORS IN CHINA: A COMPREHENSIVE ANALYSIS

The integration of finance and technology, commonly referred to as fintech, has brought about significant changes in the financial industry. One of the key components of fintech is Robo-Advisor, a technology that offers intelligent and inclusive financial services to a broader range of users. Robo-Advisor has revolutionized investment advisory services by eliminating high investment thresholds and making professional financial advice accessible to individual users and enterprises at lower costs. This aligns with the concept of inclusive finance, which aims to provide financial services to a wider audience, including those who were previously excluded from traditional financial systems. This paper explores the emergence and impact of Robo-Advisor technology in the financial industry, emphasizing its role in promoting inclusive finance. It delves into the distinctive characteristics of Robo-Advisor investment consulting compared to traditional methods, highlighting its potential to democratize financial planning and advisory services. The study investigates the development of Robo-Advisor in China, recognizing it as a significant step towards enhancing financial accessibility for the masses. Through a comprehensive analysis, this research contributes to a better understanding of the implications and opportunities presented by Robo-Advisor technology in the context of inclusive finance and the broader fintech landscape