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Amit Mishra, Vibhuti Tripathi: From Mobile Trading to Intelligent Investing:
A Bibliometric and Thematic Review of AI-Driven Financial Investments

options for young investors, first-time investors, and people from semi-urban and rural
areas By increasing retail participants' access to financial instruments and investment
expertise, the incorporation of AI into financial services can help democratize
investing. However, unskilled investors may also become financially vulnerable due
to overreliance on AI-generated suggestions, overtrading, algorithmic bias, false
information, and a lack of financial literacy.

The review's overall conclusions indicate that the field of AI-enabled mobile stock
trading applications is still developing and has significant chances for further
theoretical and empirical development. Globally, retail investing may change as a
result of the growing integration of AI into mobile investing platforms. However,
balanced growth in this area calls for more robust regulatory frameworks, increased
investor awareness, ethical AI governance, and in-depth empirical research on post-
adoption investment behaviour and long-term investor outcomes.

CREDIT AUTHOR STATEMENT
Amit & Vibhuti has contributed to conceptualization and data analysis. Amit &
Vibhuti was responsible for conceptualization and writing the original draft. Amit &
Vibhuti handled the research methodology. Amit & Vibhuti contributed through
literature search and writing – review and editing. Amit & Vibhuti was responsible
for preparing tables, graphs, bibliometric maps, and draft refinement.
• FUNDING: This research did not receive any specific grant from funding agencies.
• DECLARATION OF COMPETING INTEREST: The authors declare no conflict
of interest. • ACKNOWLEDGMENTS: The authors gratefully acknowledge their
institution for providing the support and a conducive environment necessary to carry
out this research.

REFERENCES
Adrianto, F., & Hamidi, M. (2020). ANALYSIS OF RETAIL INVESTMENT
BEHAVIOUR IN INDONESIAN STOCK MARKET. Academy of Accounting and
Financial Studies Journal, 24, 1–13.
https://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=.+%5BANALYSIS+
OF+RETAIL+INVESTMENT+BEHAVIOUR+IN+INDONESIAN+STOCK+MAR
KET%5D&btnG=.

Ahmad, U., Van Keulen, M., Briassouli, A., & Saad, M. (2025). Cognitive biases,
Robo advisor and investment decision psychology: An investor’s perspective from
New York stock exchange. Acta Psychologica, 256.
https://doi.org/10.1016/j.actpsy.2025.105048

Ahuja, P., Gupta, M., Jain, J., Sood, K., & Vardari, L. (2025). HR Analytics Research

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