Historically characterized by high fees and questionable objectivity, retail investments are going through a transformation as the likes of Robinhood, Betterment, Scalable Capital and others bring compelling digital offerings to market. Richard Theo is the co-founder and CEO of Wealthify, one of the UK's leading roboadvisors. With a background in technology and computer science, Richard started Wealthify in 2014 to take advantage of the then relatively nascent digital investments market. In 2017, Aviva acquired a majority stake in Wealthify to offer its services to their existing customer base. It feels like we've only just started down the path of retail investments transformation. In my personal view, we've made great progress, but we're still miles away from truly revolutionary offerings in the space. Just like in digital banking, there are a handful of players vying for primacy, and it's interesting to watch it unfold. Have a view on this subject? Let us know on Twitter @rebankpodcast, on LinkedIn or on our website www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Richard Theo.