Couchonomics with Arjun Digital Wealth Platforms vs Robo-Advisors: What Investors Need to Know
Sep 2, 2025
Dhruv Arora, Founder & CEO of Syfe, shares insights from his digital wealth management platform overseeing over $10B. He highlights the shift from traditional wealth management to more inclusive, transparent digital solutions. Trust emerges as the key competition in this space. Dhruv elaborates on the differences between robo-advisors and true digital platforms, and stresses the importance of localization and adaptation in new markets. He also discusses how integrating saving and investing can shape the future of finance.
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Digital Wealth Means Full Digital Journey
- A digital wealth management platform delivers the full client journey digitally while keeping human help optional.
- It removes offline touchpoints but preserves them if users need personalised service.
Wealth Management Is Shifting To Digital Self-Serve
- Traditional wealth management relied on high-cost physical service and limited access.
- Digitally native customers prefer self-serve, low-cost solutions for basic needs and optional human help.
Banks Ignore The Mass‑Affluent For Economics
- Large private banks focus on high‑net‑worth clients because their legacy cost structure makes mid‑market customers uneconomic.
- Many banks actively outsource lower‑value clients because servicing costs are too high.