Artificial Intelligence (AI) has transformed the global financial sector by improving the efficiency, speed, and accuracy of investment decision-making. In India, the rapid growth of fintech platforms, online trading applications, and digital financial services has accelerated the adoption of AI-based investment tools among retail investors. The present study examines the impact of Artificial Intelligence on investment decision-making in India with special reference to retail investors. The study aims to analyze investor awareness, perception, adoption, benefits, and challenges associated with AI-driven investment platforms. The research is based on both primary and secondary data. Primary data was collected from 100 respondents through a structured questionnaire, while secondary data was obtained from journals, research papers, financial reports, and online databases. Percentage analysis and interpretative methods were used for data analysis. The findings of the study reveal that a majority of respondents are aware of AI applications in investments and believe that AI improves investment accuracy, portfolio management, and risk analysis. Investors also believe that AI reduces emotional bias and enhances decision-making speed. However, concerns related to data privacy, cybersecurity risks, and overdependence on technology remain major challenges. The study concludes that Artificial Intelligence has a significant positive impact on investment decision-making in India. AI-driven investment platforms are expected to grow rapidly in the future due to increasing digital transformation and investor awareness. The study suggests that financial institutions should improve transparency, cybersecurity, and investor education to maximize the benefits of AI in finance.
Banga et al. (Mon,) studied this question.
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