In 2014, two investment professionals created XSpot Wealth, a wealth management business at the intersection of flexibility, transparency, technology and fees. Dimitris Kantzelis is one of those co-founders, and XSpot's current CEO; he discusses the void created at the lower-income end of wealth management as a consequence of MiFID II, and how introducing XSpot's AI and trading algorithms to the industry enabled the business to offer a convenient, transparent, low cost and flexible wealth management solution for everyone.