30 November 2025 marks the third anniversary of the launch of ChatGPT, the generative Artificial Intelligence (AI) chatbot created by OpenAI – a moment that signalled the beginning of a revolution that is now evident everywhere.
On this anniversary, it’s worth reflecting on the relationship between AI and the world of investing. This was the focus of an interview with our CEO, Giovanni Daprà, published in the Italian publication of Borsa&Finanza.
“Artificial Intelligence and Machine Learning are transforming the wealth management sector, reshaping client interactions and streamlining internal processes,” explains Daprà. “These technologies broaden access to financial services, making it possible to deliver increasingly tailored and sophisticated advice.”
Technology and advice, together: our vision
Over the past few years, at Moneyfarm we have integrated AI into our processes and products to enhance the efficiency of our services. “The adoption of AI allows us to scale our operations effectively, serving a growing number of clients without increasing costs,” Daprà notes.
“Our commitment to technological innovation, combined with the expertise of our consultants, underpins the success of our ‘hybrid’ service model, which blends technology with human advice to meet the evolving needs of our clients as a true Total Wealth Partner.”
The rapid evolution of AI
In just a few years, generative AI has moved from being a technological curiosity to a widespread, everyday infrastructure. Companies, professionals, students and savers now use these tools to create content, analyse data, automate processes and make more informed decisions.
At the same time, the race for innovation has accelerated dramatically, driven by record levels of investment from Big Tech and an entire industrial ecosystem that is redefining tomorrow’s standards.
As highlighted by our CEO in the interview, AI enables “to provide bespoke recommendations based on individual profiles, and it supports predictive analysis to anticipate market trends, helping investors make informed decisions.”
AI has been one of the main forces driving financial markets in 2025. A significant share of global equity performance has been fuelled by companies developing critical infrastructure for AI: semiconductors, data centres, cloud computing, software and generative models.
Companies such as Nvidia, AMD, Microsoft and an expanding network of specialised players have benefited from an explosive surge in demand for computing power and intelligent solutions, attracting capital and renewing interest in technology as a strategic asset class.
Record investment and fears of a “bubble”
This growth, however, has also raised some concerns. The rapid rise in share prices among AI-linked companies has led some analysts to warn of a potential “bubble”: elevated valuations, highly optimistic expectations, and a rush by investors towards anything carrying the “AI” label. As often happens during phases of technological enthusiasm, distinguishing real innovation from mere narrative is essential.
Furthermore, Daprà emphasises: “Challenges remain in relation to regulatory compliance and consumer protection: without adequate oversight, AI could perpetuate existing biases, compromising the financial results of certain segments. The complexity of algorithms also raises questions of transparency and accountability.”
History teaches us that every major technological revolution – from the web to mobile to the cloud – has experienced moments of euphoria, but over the long term has rewarded those companies genuinely capable of creating value.
For investors, this is the key point: AI is not a passing trend, but a structural transformation that will reshape entire industries. The technologies emerging today are only the beginning. Advanced automation, enhanced productivity, predictive analysis and the ability to process vast quantities of data will profoundly change how businesses operate, creating opportunities not only in tech but also in healthcare, finance, industry, logistics and energy.
The added value of AI in investing
This also applies to the world of investing and wealth management. In this sector, as Daprà notes, the ongoing transfer of wealth to younger generations “is influencing investment preferences and encouraging managers to adopt digital models to meet the needs of tech-savvy clients, driving innovation and reducing costs.”
AI is also becoming a concrete tool for analysing scenarios, assessing risks, optimising portfolios and making traditionally complex instruments more accessible.
Digital investment platforms are using it to build more efficient strategies, enhance client service and create increasingly personalised solutions. The aim is not to replace human expertise, but to strengthen it: more timely decisions, richer data, more robust processes.
Looking ahead, Artificial Intelligence is set to be one of the most powerful forces shaping markets and investment decisions in the years to come. For investors, the challenge will be to approach this shift with balance: seizing opportunities, avoiding excessive enthusiasm and focusing on intelligent diversification.
One thing, however, is already clear: AI is no longer just a technological promise – it is a reality that is rewriting the rules of the game. And today more than ever, it offers new ways to build long-term value.
Important information
This article is provided for general information purposes only and does not constitute personal advice, investment advice or a recommendation to buy, sell or hold any investment. The views expressed relate to broad themes in markets and technology and may not be appropriate for your individual circumstances. Past performance is not a reliable indicator of future results and the value of investments can go down as well as up; you may get back less than you invest. Tax treatment depends on individual circumstances and may change in future. References to specific companies (including Nvidia, AMD, Microsoft and others) are for illustrative purposes only and should not be taken as a recommendation or indication of future performance. If you are unsure whether an investment is suitable for you, you should seek advice from a qualified financial adviser. Moneyfarm is authorised and regulated by the Financial Conduct Authority.
*As with all investing, financial instruments involve inherent risks, including loss of capital, market fluctuations and liquidity risk. Past performance is no guarantee of future results. It is important to consider your risk tolerance and investment objectives before proceeding.
