A growing number of UAE investors are open to using artificial intelligence in wealth management, though human guidance remains a key factor in investment decisions, a new survey by Alpheya shows.
AI adoption rising
According to the survey, nearly three-quarters (73%) of UAE investors said they would consider AI as an alternative to human advisers, while 70.8% expressed confidence in AI managing their portfolios.
The findings indicate a strong appetite for technology-driven wealth solutions, but also highlight the challenges for digital platforms in meeting investor expectations.
Investor satisfaction
The survey, conducted between May and July 2025, included 509 UAE-based investors across different age groups, investment experience levels, and income brackets, including both high-net-worth individuals (HNWIs) and retail investors.
High-net-worth investors reported the highest satisfaction levels, with 52% indicating they were satisfied with current wealth management services, compared with only 37% of retail investors. The data suggests that while interest in digital solutions is high, existing platforms are not fully addressing the diverse needs of investors.
Gaps in offerings
A significant portion of respondents (40%) reported unmet needs in product offerings, reflecting that while investors are ready for digital wealth solutions, the market has yet to provide the seamless, personalised experiences they expect.
The survey also underscored the continued importance of human relationships in investment decisions. Nearly half of investors still rely on family members for guidance, highlighting that AI alone cannot replace the trust and contextual insight offered by personal advisors.
Expert insight
Commenting on the results, Roger Rouhana, CEO of Alpheya, said: “The UAE has consistently positioned itself at the forefront of technological innovation, and these findings confirm that investor sentiment is aligned with the country’s forward-looking vision.”
He added, “The most effective solutions will be those where AI augments human advisors rather than replacing them entirely, combining technological efficiency with the personal relationships investors clearly value. As platforms deliver this integration through intuitive experiences, adoption will follow.”
Market outlook
The findings point to a UAE wealth management sector on the verge of transformation. With investor interest in digital solutions, progressive regulatory frameworks in the ADGM and DIFC, and national initiatives such as the UAE’s Artificial Intelligence Strategy 2031 promoting responsible innovation, the country is positioned to lead the next phase of digital wealth management.
Analysts say this could reinforce the UAE’s status as a global hub for technology and financial services.
tanvir@dubainewsweek.com
