AI can deliver hyper-personalised, regionalised educational content for investors: Jio BlackRock’s Sid Swaminathan

“With AI, I think there is an opportunity to deliver hyper-personalised and regionalised education content to every corner of India,” Jio BlackRock AMC CEO Sid Swaminathan said.

Artificial Intelligence (AI) will play a defining role in expanding India’s investor base, according to Sid Swaminathan, the CEO of Jio BlackRock AMC, who at speaking at Mumbai's Global Fintech Festival (GFF) 2025 during a panel on democratising wealth creation with the help of technology.

Swaminathan said with the rise of artificial intelligence, the industry now has the opportunity to deliver hyper-personalised and regionalised financial education and messaging, aligned with regulatory guardrails set by SEBI and AMFI.

“With AI, I think there is an opportunity to deliver hyper-personalised and regionalised education content to every corner of India,” Swaminathan said. “Education and building of trust is the key. We need to get that right first and there’s already great work being done by SEBI and AMFI.”

With the foundation is in place, reducing friction such as simplifying KYC and consent-driven onboarding will be critical to develop inclusion and bring more investors to use technology.

Swaminathan said while the mutual fund market in India is largely physically driven, Jio BlackRock AMC’s direct, digital-first approach has already seen strong participation.

“The level of engagement we’re seeing from investors has been positive, and the participation through each of our NFOs has been way beyond what we expected,” he said. “We’re still at a low base, so the potential is immense," he added.

Talking about the role technology can play on concerns over mis-selling in newer products like Systematic Investment Facilities (SIFs) and Micro SIPs, Swaminathan said technology can be leveraged for both real-time surveillance and investor-level personalisation.

“SIF and Micro SIP are playing a very important role in expanding the market — they’re two sides of the market,” he said.

“The ability to use technology for surveillance is powerful, and SEBI is doing a fantastic job. But what’s even more powerful is using AI for hyper-personalisation of investors’ appetites so you can also address issues at the source, rather than monitoring them at the end. So, we are now able to address it at both ends."