3. Enhance Data Governance: Improve data privacy, cybersecurity, and data quality for reliable AI performance.
4. Use Hybrid Models: Combine human judgment with AI tools to ensure balanced and resilient decision-making.
5. Educate Investors: Increase AI literacy among retail investors to promote informed usage of robo-advisors and trading apps.
6. Monitor AI Models: Frequently test and review AI systems to ensure stability and reliability.
7. Encourage Responsible Innovation: Support AI development while safeguarding market stability.
References
[1] Arifian, D., Mudawanah, S., Herlina, & Sofana, A. I. (2024). The impact of artificial intelligence on investment decision-making. Islamic Studies in the World, 1(2). https://doi.org/10.70177/isw.v1i2.1522
[2] Anuar, A. A., et al. (2025). Comparative analysis of AI-driven versus human-managed funds. Future Business Journal.
[3] Bai, T. R., Jeena, R., & Shanavas, A. (2024). Sustainable finance and use of artificial intelligence in investment decision making. International Journal of Advanced Research, (Sep), 1212–1218. https://dx.doi.org/10.21474/IJAR01/19554
[4] Bahoo, S. (2024). Artificial intelligence in Finance: A comprehensive review. Springer Journal.
[5] Guo, J., Wang, S., Ni, L. M., & Shum, H.-Y. (2022). Quant 4.0: Engineering quantitative investment with automated, explainable and knowledge-driven artificial intelligence.
[6] Kumar, K. N., & Renuka, R. (2025). The impact of artificial intelligence on financial decision-making. Journal of Information Systems Engineering and Management, 10(47 s).
[7] Guo, J., Wang, S., Ni, L. M., & Shum, H.-Y. (2022). Quant 4.0: Engineering quantitative investment with automated, explainable and knowledge-driven artificial intelligence.
[8] Khanna, P. (2021). Evaluating the impact of artificial intelligence on investment decision-making in finance. International Journal of Research in Finance and Management, 4(1), 78–84.
[9] Kumar, K. N., & Renuka, R. (2025). The impact of artificial intelligence on financial decision-making. Journal of Information Systems Engineering and Management, 10(47s).
[10] Khanna, P. (2021). Evaluating the impact of artificial intelligence on investment decision: Making in Finance. International Journal of Research in Finance and Management, 4(1), 78–84. https://doi.org/10.33545/26175754.2021.v4.i1a.248
[11] Mahajan, K. (2024). Transforming financial decision-making with artificial intelligence: A comprehensive study on ai-driven algorithms for investment, trading, and portfolio management. Journal of Electrical Systems, 20(10s).
[12] McKinsey & Company. (2022). The state of AI in 2022 — and a half-decade in review.
[13] Mienye, E. (2024). Deep learning in finance: A survey of applications. MDPI.
[14] Panwar, M. S., Aggarwal, K., Jamwal, N., Saini, A., & Sharma, M. (2025). Analyzing the impact of AI-driven financial advisory services on investment decision-making. International Journal of Environmental Sciences, 11(14s), 1158–1170. https://doi.org/10.64252/37hn9w50
[15] Pattnaik, D. (2024). Applications of AI and ML in banking and financial services: A bibliometric review. Science Direct.
[16] PwC. (2017/updated reports). Sizing the prize — AI’s potential economic impact.
[17] ResearchGate(2022). Portfolio optimization using artificial intelligence: A systematic literature review.
[18] Saoudi, S. E., & Zidane, B. (2025). The role of artificial intelligence in financial decision-making: Opportunities and risks. International Journal of Economic Perspectives, 19(5), 2381–2393.
[19] Sujarwo, M. D. A., & Utama, A. G. S. (2025). AI-driven financial planning: The future of investment advice through advanced analytics. Jurnal Akuntansidan Keuangan, 13(2). https://doi.org/10.29103/jak.v13i2.23452
[20] SSRN. (2025). The AI revolution in investment advisory: Global robo-advisory growth projections.
[21] Vancsura, L. (2025). Navigating AI-driven financial forecasting: A systematic review. MDPI.