AI-Powered Robo-Advisors: Opportunities and Challenges in Cloud-Based Financial Services

Authors

  • Kuthalingam Sankaralingam Fintech

DOI:

https://doi.org/10.47941/ijce.2758

Keywords:

AI-Powered Robo-Advisors, Cloud Computing, AWS, Financial Technology, Digital Wealth Management, Algorithmic Trading, Personalized Investment, Compliance, Machine Learning, Fintech

Abstract

Purpose: The convergence of artificial intelligence (AI) and cloud computing has significantly transformed the financial services sector, particularly within the domain of robo-advisors.

Methodology: These platforms employ advanced algorithms to deliver investment guidance with minimal human oversight. By leveraging Amazon Web Services (AWS), financial institutions can greatly enhance their operational scalability, efficiency, and the overall intelligence of their service offerings.

Findings: This paper examines the emergence of AI-driven robo-advisors hosted on AWS, exploring the advantages, technical architecture, and the regulatory and ethical challenges they encounter. We provide real-world case studies that illustrate the current strategies being adopted by financial organizations. Additionally, a detailed flowchart offers insight into the system architecture of cloud-based robo-advisors, demonstrating the interaction between data inputs, processing algorithms, and user interfaces.

Unique Contribution to Theory, Practice, and Policy: This analysis seeks to inform industry practitioners about the dynamic landscape of digital wealth management and the potential paths for future innovations in this field.

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Author Biography

Kuthalingam Sankaralingam, Fintech

MCA, Cloud Architect 

References

Business Insider. (2025). "How AWS is helping JPMorgan and Bridgewater with AI." https://businessinsider.com

Capgemini. (2024). "The Cloud and AI Race in Financial Services." https://capgemini.com [3] Forbes Tech Council. (2025). "Cloud-AI Integration for Finance." https://forbes.com

Financial Times. (2024). "AI Is Coming for Wealth Management." https://ft.com

Super.AI. (2024). "Solving Key Challenges in AI Deployment." https://super.ai

AWS. (2024). "AWS Financial Services Cloud Guide." https://aws.amazon.com

Toptal. (2024). "AI in Finance: Opportunities and Challenges." https://toptal.com

Rapid Innovation. (2024). "Robo-Advisors and AI." https://rapidinnovation.io

ArXiv. (2025). "Regulating AI in Financial Services." https://arxiv.org/abs/2503.14541

World Finance Council. (2024). "AI in Financial Services: Opportunities & Risks." https://worldfinancecouncil.org

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Published

2025-05-28

How to Cite

Sankaralingam, K. (2025). AI-Powered Robo-Advisors: Opportunities and Challenges in Cloud-Based Financial Services. International Journal of Computing and Engineering, 7(4), 1–7. https://doi.org/10.47941/ijce.2758

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Section

Articles