Robo-Advisors Beyond Automation: Principles and Roadmap for AI-Driven Financial Planning
Fuente:
arXiv
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| Autores principales: | , , |
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| Formato: | Preprint |
| Publicado: |
2025
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| _version_ | 1866914033163042816 |
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| author | Feng, Runhuan Li, Hong Liu, Ming |
| author_facet | Feng, Runhuan Li, Hong Liu, Ming |
| contents | Artificial intelligence (AI) is transforming financial planning by expanding access, lowering costs, and enabling dynamic, data-driven advice. Yet without clear safeguards, digital platforms risk reproducing longstanding market inefficiencies such as information asymmetry, misaligned incentives, and systemic fragility. This paper develops a framework for responsible AI in financial planning, anchored in five principles: fiduciary duty, adaptive personalization, technical robustness, ethical and fairness constraints, and auditability. We illustrate these risks and opportunities through case studies, and extend the framework into a five-level roadmap of AI financial intermediaries. By linking technological design to economic theory, we show how AI can either amplify vulnerabilities or create more resilient, trustworthy forms of financial intermediation. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2509_09922 |
| institution | arXiv |
| publishDate | 2025 |
| record_format | arxiv |
| spellingShingle | Robo-Advisors Beyond Automation: Principles and Roadmap for AI-Driven Financial Planning Feng, Runhuan Li, Hong Liu, Ming General Economics Economics Artificial intelligence (AI) is transforming financial planning by expanding access, lowering costs, and enabling dynamic, data-driven advice. Yet without clear safeguards, digital platforms risk reproducing longstanding market inefficiencies such as information asymmetry, misaligned incentives, and systemic fragility. This paper develops a framework for responsible AI in financial planning, anchored in five principles: fiduciary duty, adaptive personalization, technical robustness, ethical and fairness constraints, and auditability. We illustrate these risks and opportunities through case studies, and extend the framework into a five-level roadmap of AI financial intermediaries. By linking technological design to economic theory, we show how AI can either amplify vulnerabilities or create more resilient, trustworthy forms of financial intermediation. |
| title | Robo-Advisors Beyond Automation: Principles and Roadmap for AI-Driven Financial Planning |
| topic | General Economics Economics |
| url | https://arxiv.org/abs/2509.09922 |