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A Study on the Impact of AI on Investment Decision-Making Among Gen Z

Anwesha Agrawal, Amity Business School,

agrawalanwesha03@gmail.com

Dr. Sumita Dave, Pro Vice Chancellor,

Amity Business School,

sdave@rpr.amity.edu

Abstract

Artificial Intelligence (AI) is reshaping investment decision-making processes across financial ecosystems. This study explores how Generation Z (Gen Z), a digitally native cohort, engages with AI-powered investment tools such as robo-advisors, predictive analytics, and algorithmic platforms. Drawing on data from 100 respondents aged 18–27, the research examines AI's influence on financial behavior, trust, and risk management. Findings reveal a positive outlook toward AI in terms of personalization, fraud detection, and decision-making support. However, ethical concerns regarding data privacy and lack of accountability persist. The study offers actionable recommendations for FinTech developers, policymakers, and educators to enhance AI integration in youth-centric finance.

Keywords: Artificial Intelligence, Gen Z, Investment Decision, Robo-Advisors, Predictive Analytics, FinTech, Ethical AI, Financial Literacy.