Published Paper Details:

The convergence of Artificial Intelligence (AI) and fintech is revolutionizing investment strategies, offering enhanced personalization, efficiency and accessibility to individual investors. Among these, systematic investment plans (SIPs) have gained significant traction due to their disciplined and long term wealth building approach. This study explores the transformative role of AI in optimizing SIP investments by analyzing its impact on investor behavior, decision making and trust. Drawing from literature in AI driven finance, behavioral economics and digital platforms, the research examines how predictive analytics, Robo-advisory systems and intelligent fund selection tools influence investor engagement. A Primary survey is conducted among Indian retail investors to assess the perception and adoption of AI- Enabled SIP platforms. The study aims to identify key variables affecting investor satisfaction and behavioral consistency, offering insights into building smarter and more sustainable financial ecosystems. The findings have implications for fintech innovators, policymakers and financial educators aiming to enhance financial inclusion through intelligent automation.