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International Journal of Science, Strategic Management and Technology

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A STUDY ON ROBO-ADVISORY SERVICES AND INVESTMENT MANAGEMENT IN SERVICE SECTOR IN INDIA

AUTHORS:
MITTAPALLI SATHWIK
T NIHARIKA REDDY
Mentor
Affiliation
Dept of MBA in Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401.
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
Robo-advisory services are transforming investment management in India’s service sector by combining artificial intelligence, machine learning, data analytics, and automated portfolio management. These digital platforms assess investors’ goals, risk tolerance, income, and preferences before recommending suitable investment portfolios. The study examines the role of robo-advisory services in investment management and evaluates their influence on investment decisions, portfolio management, customer satisfaction, and operational efficiency. It also identifies major adoption challenges, including data privacy, cybersecurity, investor awareness, regulatory compliance, and trust. Primary and secondary data support the study, while recommendations focus on technology, investor education, security, and responsible adoption for investors today.
Keywords
Robo-Advisory Services Investment Management Artificial Intelligence Portfolio Management FinTech
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SATHWIK, M. & REDDY, T. N. (2026). A STUDY ON ROBO-ADVISORY SERVICES AND INVESTMENT MANAGEMENT IN SERVICE SECTOR IN INDIA. International Journal of Science, Strategic Management and Technology, 02(8), 1-5. https://doi.org/10.55041/ijsmt.v2i8.081

SATHWIK, MITTAPALLI, and T REDDY. "A STUDY ON ROBO-ADVISORY SERVICES AND INVESTMENT MANAGEMENT IN SERVICE SECTOR IN INDIA." International Journal of Science, Strategic Management and Technology, vol. 02, no. 8, 2026, pp. 1-5. doi:https://doi.org/10.55041/ijsmt.v2i8.081.

SATHWIK, MITTAPALLI, and T REDDY. "A STUDY ON ROBO-ADVISORY SERVICES AND INVESTMENT MANAGEMENT IN SERVICE SECTOR IN INDIA." International Journal of Science, Strategic Management and Technology 02, no. 8 (2026): 1-5. https://doi.org/https://doi.org/10.55041/ijsmt.v2i8.081.

References

  1. D’Acunto, F., Prabhala, N., & Rossi, A. G. (2019). The promises and pitfalls of robo-advising. The Review of Financial Studies, 32(5), 1983–2020.

  2. Jung, D., Dorner, V., Glaser, F., & Morana, S. (2018). Robo-advisory—Digitalization and automation of financial advisory. Business & Information Systems Engineering, 60(1), 81–86.

  3. Phoon, K., & Koh, F. (2018). Robo-advisors and wealth management. The Journal of Alternative Investments, 20(3), 79–94.

  4. Sironi, P. (2016). FinTech innovation: From robo-advisors to goal based investing and gamification. Wiley.

  5. Tokic, D. (2018). BlackRock robo-advisor 4.0: When artificial intelligence replaces human discretion. Strategic Change, 27(4), 285–290.

  6. Jung, D., Dorner, V., Glaser, F., & Morana, S. (2018). Robo-advisory—Digitalization and automation of financial advisory. Business & Information Systems Engineering, 60(1), 81–86.

  7. Gupta, S. (2025). Robo-advisors and investor behavior: An empirical examination of trust, adoption, and portfolio outcomes. Journal of Informatics Education and Research, 5(4).

Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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