THE THING ABOUT HUMANS is that we make terrible investors, underperforming the market by roughly 4% each year.

“That’s because good investing is boring,” Nash explains. “Set aside that humans are inherently emotional about money, but most of us don’t have the time or patience to complete the little, everyday tasks that is takes to be successful.”

Tasks like rebalancing your portfolio or reinvesting dividends, which Nash estimates could be robbing you of nearly 50% of investment profits.

“It’s pennies each day, which seems insignificant. But those small amonunts add a significant amount to your final return.”

Do you want to spend your precious time choosing mutual funds when you could be out with friends? (Or, let’s be honest, binge watching Veep?)

“But computers don’t care about free time and they don’t care whether you have $2 or $200… They weight every decision the same,” Nash continues. “And that’s where the value of automated investing comes into play.”

WHICH BRINGS US TO OUR FINAL QUESTION: Can automated investing services and robo-advisers really overtake the need for humans on Wall Street?

“When I first entered the space three and a half years ago, the largest skepticism was that people would actually trust computers with their money,” Nash explains. “Which may be true for Baby Boomers who didn’t grow up with technology, but we’ve seen that young people actually trust a computer more than they would a teller at a random bank.”

And why wouldn’t we: Computers, unlike humans, have no bias. They don’t make simple math errors. And they’re available 24/7, so, we can check our investments whether we’re in line at Starbucks or bored in the middle of the night.

“But the greatest advantage is that computers aren’t emotional,” he says. “People question whether they’re able to assess risk, but, in our opinion, it’s actually they’re inability to do so that makes them so reliable. Humans often buy when stocks are hot and sell when things are down… Computers see everything by the numbers.”

The real question is why technology — algorithms that have long been used places like Facebook and Google — took so long to penetrate finance.

“These technologies have existed for decades, but it was really a matter of it being the right time for this industry,” Nash finishes. “Millennials finally started to demand the same level of service from their financial partners as they expect in their shopping — Amazon — and entertainment — Netflix.”

So, in a way, the disruption in this case is really us — a rising generation of young investors demanding a revolution on Wall Street. And how cool is that?

Interested in fintech? Check out SoFi’s pledge to lower rates on student loans.