Robo-advisory as a driving force of the financial market in the light of digitalization?

This article deals with the phenomenon of Robo-advisory used in the provision of investment services. It is appropriate to consider the use of this tool from a regulatory perspective, particularly given the widespread use of digital tools in financial markets and the growing interest of users in the digitization of services. Given the rapid development of digitalization, legislation may not always take into account the use of digital tools. Legislative changes may be delayed. The main objective of this article is to analyze Robo-advisory specifically from the perspective of EU regulation. The aim is to confirm or disprove the hypothesis. Based on the analysis, we are then able to look at using Robo-advisory from different perspectives, both practical and regulatory. The analysis also highlights the similarities and differences between traditional and alternative investment service provision.