Do Humans Still Matter in A World Dominated By Digital Trading?

This post was created in partnership with Tiger Brokers Singapore. All views and opinions expressed in this article are Beansprout's objective and professional opinions.

What happened? 

In today’s fast-paced, tech-driven investment landscape, it’s easy to assume that digital brokerage platforms and robo-advisors are all you need to build wealth. 

But an investment strategy requires more than algorithms and data. You need judgment, trust, and human understanding.

That’s where Investment Representatives (IRs) come in. Sometimes also referred to as investment managers or remisiers, IRs are licensed professionals who work with clients to help them navigate the complexities of investing. 

Beyond executing trades, they help clients make sense of market developments and build confidence in investing.  

To better understand the enduring relevance of human expertise in an increasingly automated world, we spoke with Raymond Chin, Senior Director, Agency and IB at Tiger Brokers. 

He shared why IRs are more valuable than ever, especially amid today’s volatile markets and unpredictable economic landscape.

Navigating an increasingly complex market

“As Investment Representatives today, we serve as both navigators and strategists,” says Mr Chin. 

“Our job is to help clients cut through the noise of volatile markets, complex financial products, and overwhelming data.”

In a world drowning in information, this kind of guidance is more valuable than ever. 

According to the 2025 EY Global Wealth Research Report, 52% of investors are now seeking additional guidance on their investments, driven by increasing market uncertainty and complexity.

Offering personalised guidance

Even as technology powers many areas of finance, some things remain stubbornly human: experience, empathy, and the ability to truly listen and see the bigger picture.

Building and protecting wealth is still a deeply personal journey, Chin shares, and it’s one that often benefits from having a human by your side. 

Someone who understands you as an investor, not just the markets. Investment Representatives (IRs) see this every day. 

Chin adds that unlike algorithms that offer standardised investment options, human IRs bring flexibility and judgement to adapt strategies based on market context and individual client considerations. 

Behind every portfolio is a story: a dream home, a child’s education, a quiet retirement after decades of work. 

This kind of tailored guidance becomes especially important during these key life transitions.

Seeing what the algorithm can’t

Technology is great at processing data, but it can’t read between the lines.

“Humans pick up on nuances like unspoken concerns during a conversation, changes in expression or tone, or even behavioural cues like panic during a market downturn,” Chin shares.

“We can read between the lines and adjust the plan before things go off track. Empathy and intuition matter just as much as analytics,” he adds. 

Behavioural finance expert Meir Statman has long observed that investors are not always rational. 

They are driven by emotions and sometimes contradictory impulses. That’s why emotional insight and behavioural coaching are just as vital as technical expertise.

And it’s during the quiet, difficult moments that the difference between man and machine becomes clearest.

Trust is the human advantage

“Trust is built through consistency, transparency, and genuine relationships,” says Chin.

Chin goes on to say that clients want someone who listens and who stands by them when things get tough. 

“Technology lacks the ability to care, and that’s irreplaceable.”

Even as AI becomes more integrated into financial services, more than half of investors still worry about how their personal data is handled, according to the EY report.

In this environment, the human connection becomes a necessity.

Evolving, not disappearing

Far from being replaced, human advice is evolving.

“Our roles are shifting,” Chin explains. “As automation takes care of routine transactions, we focus on helping clients build discipline, resilience, and clarity.”

An Investment Representative can help someone stay the course during a crisis, offering reassurance when doubts creep in, or providing a reality check during market euphoria.

“I often tell clients to invest in understanding their behaviour,” Chin says.

“Because even the best strategy fails if you can’t stick with it. Whether it is fear during a dip or overconfidence in a bull market, self-awareness is the real foundation of long-term success.”

Studies reinforce this point. Russell Investments estimates that the overall value delivered through professional guidance, behavioural coaching, and consistent client communication can add up to 5.9% annually. 

The lasting impact of the human touch

Perhaps the most powerful reason the human touch still matters? Impact.

“The privilege of being part of their journey…the trust they place in me is incredibly rewarding. Every client’s success feels like a shared victory.” Chin reflects. 

“Seeing them retire comfortably, fund their child’s education, or bounce back after a setback. Technology gives us better tools. But the purpose, helping people live their aspirations, that will always be human.”

In the end, investing is more than the returns generated. It’s about confidence, clarity, and making intentional decisions across every stage of life. 

And that’s exactly why, in a world of automation, the human touch continues to matter more than ever.

High-tech meets high-touch at Tiger Brokers

While their app offers all the tools you need to trade globally with low fees, Tiger Brokers also believes in giving users access to real human expertise.

Through their team of licensed Investment Representatives, Tiger Brokers aims to provide a high-tech, high-touch experience that empowers investors with both convenience and confidence.

Thinking of starting a career in finance?

Whether you’re a fresh graduate exploring your options or a mid-career professional seeking a change, Tiger Brokers’ six-month L.E.A.P (Learn, Experience, Achieve, Perform) Programme is designed to help you transition confidently into the investment world.

What you’ll get with the L.E.A.P Programme

• A structured induction programme covering equities, trading platforms, investment strategies, and regulatory essentials—no finance background required.
• Sponsorship for licensing exams for eligible candidates.
• Real-world experience through mentorship, industry networking, and client engagements. 

This is more than just a job. It’s a long-term career where you can grow your income and build strong relationships with clients who trust you to guide them through their financial journey.

Find out more about the L.E.A.P Programme here and see what being an Investment Representative is all about. 

Disclaimers

This advertisement has not been reviewed by the Monetary Authority of Singapore.