Method and Technological Solution of an AI-Based Adaptive Investor Survey Service for Determining an Individual Risk Profile

An adaptive investor survey model employing advanced machine learning is presented to generate a continuous risk profile. Using conditional logic, weighting coefficients, and a continuous risk scale, it overcomes traditional questionnaire limitations to enhance accuracy and personalization. The system built on React, Node.js/NestJS, and Python/FastAPI efficiently processes responses and delivers tailored investment recommendations. The research also includes the results of a comparative analysis, a description of the data transformation methodology, and a secure data transfer scheme, confirming the practical effectiveness of the proposed solutions. The developed method, model, and technological solution of the AI-driven adaptive survey service enhance the accuracy and personalization of risk profiling.