With 2020 quickly approaching, Business Insider is polling experts to find out what finance and real estate will likely look like a decade from now. Real estate agents have, so far, largely avoided being replaced by technology, even as human brokers in areas like travel and stock trading disappear. Clelia Warburg Peters, president of Warburg Realty and a co-founder of pioneering proptech VC MetaProp, has a has a three-tiered vision of what the future of brokerage will look like, differentiated by the wealth of the seller or buyer. The experts who spoke to Business Insider largely predicted that there will be fewer agents, lower commissions, and more services like title and mortgage brought directly to the transaction by brokerage. Real esta.