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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: February 2026
Volume 11 | Issue 2
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| Paper Title: | Artificial Intelligence in Wealth Management: Applications, Empirical Evidence, and India Implementation Framework |
| Authors Name: | Praveen Kumar Parambath |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_209107
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| Published Paper Id: | IJRTI2601029 |
| Published In: | Volume 11 Issue 1, January-2026 |
| DOI: | |
| Abstract: | Artificial intelligence has transformed wealth management through robo-advisory platforms, portfolio optimization, risk management, and client behavior analytics[1][2]. Analysis of 2025 industry data reveals that AI-powered portfolio management outperformed traditional methods by 14%, operational costs decreased by 40%, and fraud detection accuracy improved to 97%[2]. Hybrid advisory models combining AI capabilities with human expertise achieved 32% higher client retention and 22% satisfaction gains[2]. Indian investment firms including ICICI Direct (iWISE platform), Kotak Securities (Neo AI trading platform), HDFC Securities (StockCase algorithmic baskets), and AXIS Securities initiatives have been documented through public sources and organizational websites[14][15][16][17]. Emerging 2026 trends include agentic AI adoption (71% of institutions planning 25-600% investment increases), tokenized wealth management, hyper-personalization platforms, and unified client intelligence architectures[23]. However, significant challenges persist: algorithmic bias, SEBI regulatory compliance, data security, and preserving human judgment for complex wealth decisions. This study synthesizes global benchmarks from 2025-2026, information sourced from organizational websites and public domain sources on Indian brokerages, and regulatory frameworks to provide evidence-based guidance for wealth management professionals, technologists, and regulators. Methodology combines systematic literature review (78 peer-reviewed sources), industry benchmarking analysis, and information sourced from public sources and organizational publications[1][2][22]. Findings validate AI's transformative potential while emphasizing strategic human-AI collaboration as the optimal path forward, where computational efficiency complements irreplaceable human judgment in personalized wealth guidance. |
| Keywords: | Artificial Intelligence, Wealth Management, Robo-Advisors, Portfolio Optimization, SEBI Compliance, Fintech India, Agentic AI, Hybrid Advisory Models |
| Cite Article: | "Artificial Intelligence in Wealth Management: Applications, Empirical Evidence, and India Implementation Framework", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.11, Issue 1, page no.a213-a225, January-2026, Available :http://www.ijrti.org/papers/IJRTI2601029.pdf |
| Downloads: | 000185 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2601029
Registration ID:209107
Published In: Volume 11 Issue 1, January-2026
DOI (Digital Object Identifier):
Page No: a213-a225 Country: Thiruvananthapuram, Kerala, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2601029 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2601029 |
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ISSN: 2456-3315
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