Artificial Intelligence & Robo-Advisors Adoption by Customer in Stock Market

The use of robo-advisors in the stock market is exploring in this study, it is concentrating on how artificial intelligence (AI) is revolutionizing wealth management in the fintech industry. There are still a lot of unanswered questions regarding investor adoption of robo-advisory platforms, especially in developing nations like India. Important topics covered in the paper include investor trust, the shortcomings of static asset allocation algorithms, and how market volatility affects the uptake of robo-advisors. The study combines qualitative insights with a mixed-methods methodology from case studies and platform analyses with quantitative data from surveys with 227 respondents. Findings that although young, educated professionals are well aware of robo-advisors, their actual use is still quite low. The main factors influencing adoption are cost effectiveness, usability, and customized investment plans; nevertheless, worries about algorithm bias, data security, and the absence of human judgment impede broad adoption. The study comes to the conclusion that AI-powered dynamic asset allocation models can reduce the risks associated with market volatility and boost investor confidence. To increase the usage of robo-advisors, it is essential to prioritize user-friendly interfaces, reinforce regulatory frameworks, and improve transparency interfaces are crucial for increasing robo-advisor adoption.