AI IN INVESTMENT PRACTICES: CHALLENGES OF GLOBALIZATION, TRUST AND LIABILITY

Abstract

This study investigates how Artificial Intelligence (AI) influences investment decision-making, with a focus on trust, responsibility, and regulatory perceptions. Using a quantitative survey approach, the research explores how frequently investors use AI tools, their perceived benefits and challenges, and attitudes toward accountability and oversight. Results indicate that while awareness of AI is increasing, adoption remains moderate and concentrated on accessible applications such as market analysis and forecasting. Respondents reported limited but positive effects on investment outcomes, alongside concerns about data reliability, transparency, and excessive reliance on automated systems. Trust in AI was found to be cautious—investors generally viewed AI as a supportive analytical tool rather than an independent decision-maker. Most participants assigned responsibility for AI-related losses to investors themselves but also favored stronger regulation to ensure ethical and transparent use. The study concludes that AI’s successful integration into investment practices depends on balancing efficiency with accountability and human oversight. These findings contribute to the ongoing discussion on ethical governance and responsible innovation in global financial systems.