The Joint Committee of the three European Supervisory Authorities (ESA's) - the European Banking Authority (EBA), European Securities and Markets Authority (Esma) and European Insurance and Occupational Pensions Authority (Eiopa) - has launched a discussion paper on automation in financial advice, aimed at assessing what, if any, action is required to harness the potential benefits of this innovation and mitigate its risks. The ESA's have seen, with the increasing digitalisation of financial s