Artificial Intelligence in Finance: Examining the Role of FinTech Adoption in Investor Behaviour and Decision-Making

Author(s)	Dr. Jyoti Mishra
Country	India
Abstract	The rapid advancement of Artificial Intelligence (AI) and Financial Technology has transformed the financial services industry through innovations such as robo-advisors, algorithmic trading, and personalized investment platforms. These technologies have redefined traditional investment decision-making by offering data-driven insights, predictive analytics, and customized financial solutions. This study investigates the impact of AI-based financial technologies on individual investors’ decision-making behaviour. It examines key factors—perceived usefulness, trust, financial literacy, risk perception, and technology adoption—that influence acceptance and utilization of AI-driven financial services. A structured questionnaire survey will be employed to collect primary data from investors. The findings aim to provide actionable insights for financial institutions, FinTech companies, and policymakers to enhance adoption strategies, strengthen trust, and address risk concerns in digital finance.
Keywords	Keywords: Artificial Intelligence, FinTech, Investor Behaviour, Digital Finance, Robo-Advisory, Financial Literacy
Field	Business Administration
Published In	Volume 8, Issue 4, July-August 2026
Published On	2026-07-14

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