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Robo-Advisors: The Impact on Investo...

Cardoso, Joana Miguel.

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Robo-Advisors: The Impact on Investor Protection in the European Union.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Robo-Advisors: The Impact on Investor Protection in the European Union./
作者:	Cardoso, Joana Miguel.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2023,
面頁冊數:	87 p.
附註:	Source: Masters Abstracts International, Volume: 86-03.
Contained By:	Masters Abstracts International86-03.
標題:	Software. -
電子資源:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=31343469
ISBN:	9798384241287

Robo-Advisors: The Impact on Investor Protection in the European Union.
Cardoso, Joana Miguel.

Robo-Advisors: The Impact on Investor Protection in the European Union. - Ann Arbor : ProQuest Dissertations & Theses, 2023 - 87 p.

Source: Masters Abstracts International, Volume: 86-03.

Thesis (LL.M.)--Universidade NOVA de Lisboa (Portugal), 2023.

In the context of financial markets, Financial Technology ("FinTech") has played a very prominent role. Robo-advisors are a prime example of this, providing investment advice and/or portfolio management services in a faster and more accessible way to investors. However, despite existing for over a decade, the regulation of robo-advisors appears to be somewhat insufficient, since the European legislation and soft-law issued to date - Directive on Markets in Financial Instruments II ("MiFID II") and European Securities and Markets Authority ("ESMA") Guidelines on certain aspects of the MiFID II suitability requirements - tend to be unclear about the risks and consequences of their use. This dissertation critically reflects on how the current legislation (or lack thereof) impacts investor protection from an ex-ante perspective (guaranteeing the completeness of information, a proper suitability and adequateness assessment and the absence of conflicts of interest) as well as an ex-postperspective (attribution of liability in the event of damage caused by the robo-advisor's performance and respective compensation). The recent legislative proposals - the Product Liability Directive ("PLD Proposal"), the AI Liability Directive ("AILD Directive") and the Artificial Intelligence Act ("AI Act") - aimed at harmonising an AI liability regime at the European Union level will also be briefly analysed, as well as their applicability and impact on the financial sector, more specifically with regard to the use of robo-advisors.

ISBN: 9798384241287Subjects--Topical Terms:

619355
Software.

Robo-Advisors: The Impact on Investor Protection in the European Union.
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520 $a In the context of financial markets, Financial Technology ("FinTech") has played a very prominent role. Robo-advisors are a prime example of this, providing investment advice and/or portfolio management services in a faster and more accessible way to investors. However, despite existing for over a decade, the regulation of robo-advisors appears to be somewhat insufficient, since the European legislation and soft-law issued to date - Directive on Markets in Financial Instruments II ("MiFID II") and European Securities and Markets Authority ("ESMA") Guidelines on certain aspects of the MiFID II suitability requirements - tend to be unclear about the risks and consequences of their use. This dissertation critically reflects on how the current legislation (or lack thereof) impacts investor protection from an ex-ante perspective (guaranteeing the completeness of information, a proper suitability and adequateness assessment and the absence of conflicts of interest) as well as an ex-postperspective (attribution of liability in the event of damage caused by the robo-advisor's performance and respective compensation). The recent legislative proposals - the Product Liability Directive ("PLD Proposal"), the AI Liability Directive ("AILD Directive") and the Artificial Intelligence Act ("AI Act") - aimed at harmonising an AI liability regime at the European Union level will also be briefly analysed, as well as their applicability and impact on the financial sector, more specifically with regard to the use of robo-advisors.
520 $a No contexto de mercados financeiros, a tecnologia financeira ("FinTech") tem tido um papel bastante proeminente. Os robo-advisors sao um exemplo disso, prestando servicos de consultoria financeira e/ou gestao de carteiras de forma mais rapida e acessivel aos investidores. No entanto, apesar de existirem ha mais de uma decada, a regulacao dos robo-advisors afigura-se algo insuficiente, uma vez que a legislacao europeia e soft-law emitidas ate a data - Diretiva dos Mercados de Instrumentos Financeiros II ("DMIF II") e as Orientacoes da Autoridade Europeia dos Valores Mobiliarios e dos Mercados ("ESMA") relativas a determinados aspetos dos requisitos da DMIF II em materia de adequacao - tendem a ser pouco claras quanto aos riscos e consequencias da sua utilizacao. Esta dissertacao reflete criticamente de que forma a atual legislacao (ou falta dela) impacta a protecao do investidor de uma perspetiva ex-ante (garantindo a completude da informacao, um juizo de adequacao apropriado e a inexistencia de conflitos de interesse), bem como de uma perspetiva ex-post (atribuicao da responsabilidade em caso de danos causados pela atuacao do robo-advisor e respetiva compensacao). Serao tambem brevemente analisadas as recentes propostas legislativas - Proposta de Diretiva relativa a responsabilidade decorrente dos produtos defeituosos ("Diretiva relativa a responsabilidade por produtos defeituosos"), Proposta de Diretiva relativa a adaptacao das regras de responsabilidade civil extracontratual a inteligencia artificial ("Diretiva da Responsabilidade da IA") e Proposta de Regulamento que estabelece regras harmonizadas em materia de inteligencia artificial ("Regulamento da Inteligencia Artificial") - que visam harmonizar um regime de responsabilidade da IA ao nivel da Uniao Europeia, bem como sera discutida a sua aplicabilidade e impacto no sector financeiro, mais especificamente, no que respeita a utilizacao de robo-advisors.
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