Daybreak Would you trust AI to be your money-whisperer?
Mar 25, 2026
Conversation about fintech apps bundling AI assistants to aggregate accounts and surface hidden positions. Discussion of platforms and registered advisors using AI to generate personalised investment recommendations and portfolios. Talk of agentic AIs that can execute trades via logins or APIs and regulators building disclosure and responsibility rules. Debate on whether AI advice is inevitable given advisor shortages.
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Forgotten App Revealed A 380% Gain
- Nikita Sharma found Cred Money had aggregated her accounts and flagged a 380% unrealized gain in Zomato shares she didn't remember buying.
- Cred's AI Clio pulls data across Grow, ICICI Direct, HDFC Securities and more to present a consolidated financial snapshot with prior consent.
AI Chatbots Becoming The Primary Investment Interface
- Multiple fintechs like Cred, Zerodha, Groww, InMoney and PhonePe are embedding AI assistants to analyze portfolios and answer queries.
- Firms plug LLMs or internal models into workflows so chatbots become the primary interface for investment interactions.
AI Moving From Assistance To Action
- Some SEBI-registered advisor platforms like MyFi and LotusDue use AI to generate personalized investment recommendations.
- Agentic AIs can operate with API access to execute semi-automatic or fully automatic portfolio actions on behalf of users.