Subject 6 (Finance Specialist): Investment apps aren't a threat to U.S. finance, the real threat is and has been offshoring of production, manufacturing and even digital services.

The Untrained Should Invest, Not Trade

It has been projected that the 2020s will be the decade of the FinTech Revolution.  This Marketing hyperbole is on the heels of many such revolutions – the Green Revolution, the Personal Computing Revolution, the dot.com, web2.0 and Social Network Revolution...  These tech revolutions are sold on the promises of democratization and wealth, however, their applications and results are much more complex than merely advancing technologies for the advancement of humankind.  FinTech for the Precariat, questions the various possible applications of emerging financial technologies and brings to the forefront the question of who ultimately will these technologies serve?