Project summary

Many Gen Z and first-time investors lack financial literacy and confidence. Only about 9% of UK adults pay for advice, and even fewer among Gen Z. Instead, many turn to unregulated sources on social media, widening the advice gap and exposing them to misinformation. This leads to poor decision-making and reduced participation in investing, which impacts long-term financial wellbeing.

The proposed solution

A hyper-personalised AI chatbot built into the Fint Invest app.

Powered by large language models (LLMs) combined with a retrieval-augmented generation (RAG) framework.
Provides on-demand financial education and investment guidance tailored to each user's profile, behaviour, and learning needs.
Designed specifically for Gen Z, turning static onboarding into engaging, conversational education.

The impact

Consumers: improved financial literacy, reduced advice gap, more confident first-time investors.

Firm: streamlined onboarding, reduced cost-to-serve, higher conversion of young investors.
Market: enhanced financial inclusion and long-term participation, supporting healthier economic growth.
Regulator: generates practical insights on AI, education vs advice boundaries, and safe AI deployment in consumer finance.

Wednesday, 28 January 2026

Retail Innovation & Consumer Insight