IJCOPE Journal

UGC Logo DOI / ISO Logo

International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
Journal Information
ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 04

Published on: April 2026

A COMPARATIVE STUDY ON AI-DRIVEN FINANCIAL SERVICES AND INVESTMENT BEHAVIOR IN INDIA

ANMOL KATIYAR

NEHA DIXIT

MBA Scholar Maharana Institute of Professional Studies Kanpur, Uttar Pradesh, India
DOI:https://doi.org/10.55041/ijcope.v2i4.731

Article Status

Plagiarism Passed Peer Reviewed Open Access

Available Documents

Download PDF Review Report

Abstract

The study examines how artificial intelligence is changing the way people invest and how financial services are organized throughout India based on the fast-growing digital economy and increased use of fintech solutions in the country.


AI financial services are those that utilize a combination of machine-learning algorithms, robo-advisory, natural language processing (NLP), big data analytics, and algorithmic trading systems to change the way that financial companies operate and how individuals make investment decisions. The nature of AI enables real-time analysis, predictive analytics, personalized investment advice, and automated portfolio management. As such, they improve operational efficiency, reduce human bias in decision-making, and increase the quality of financial decision-making.


The primary purpose of this study is to assess and analyze the influence of AI on the behaviors and characteristics of Indian investors related to their risk tolerance, investment preferences, speed of decision-making, and reliance on technology-enabled information.

How to Cite this Paper

KATIYAR, A. (2026). A Comparative Study on AI-Driven Financial Services and Investment Behavior in India. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(04). https://doi.org/10.55041/ijcope.v2i4.731

KATIYAR, ANMOL. "A Comparative Study on AI-Driven Financial Services and Investment Behavior in India." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i4.731.

KATIYAR, ANMOL. "A Comparative Study on AI-Driven Financial Services and Investment Behavior in India." International Journal of Creative and Open Research in Engineering and Management 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i4.731.

Search & Index

Google Scholar Crossref DOI ResearchGate

References


  1. Agarwal, S., & Mazumder, B. (2021). Artificial Intelligence in Financial Services: Applications and Challenges. Journal of Financial Technology, 5(2), 45–60.

  2. Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech and RegTech in a Nutshell, and the Future in a Sandbox. Research Foundation Briefs, 3(4), 1–20.

  3. Bhattacharya, R., & Singh, K. (2020). Adoption of Artificial Intelligence in Indian Banking Sector. International Journal of Innovative Research in Technology, 6(12), 234–240.

  4. Chen, M. A., Wu, Q., & Yang, B. (2019). How Valuable Is FinTech Innovation?. The Review of Financial Studies, 32(5), 2062–2106.

  5. (2022). AI in Financial Services: Transforming the Future of Finance. Deloitte Insights Report.

  6. Ernst & Young (EY). (2021). Global FinTech Adoption Index 2021. EY Global Report.

  7. Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), 537–580.

  8. Kumar, V., & Gupta, S. (2022). Impact of Artificial Intelligence on Investment Decisions in India. International Journal of Management Studies, 9(3), 112–120.

  9. Reserve Bank of India (RBI). (2023). Report on Trend and Progress of Banking in India. RBI Publications.

  10. Securities and Exchange Board of India (SEBI). (2022). Role of Technology in Financial Markets. SEBI Report.

  11. (2023). Artificial Intelligence (AI) Adoption in Financial Services in India. Retrieved from https://www.statista.com

  12. World Economic Forum. (2020). The Future of Financial Services: How Disruptions Are Reshaping the Industry. WEF Report.

Ethical Compliance & Review Process

  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Apr 29 2026
CCBYNC

This article is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. You are free to share and adapt this work for non-commercial purposes with proper attribution.

View License
Back to Volume 02, Issue 04View All Issues Next Article

← Previous Article

A Comparative Study of the Impact of Employee Behavior on Consumer Preference: Maybelline New York Vs. Revlon

Next Article →

A Comparative Study on Transforming HR Decisions through Analytics: A Study of HR Analysts’ Role in Modern Organizations
Scroll to Top