NEW DELHI: Artificial intelligence is rapidly transforming the financial industry, but human judgment will remain central to investment decisions, experts said during a panel discussion at the NXT Conclave 2026 held at Bharat Mandapam. The session on “AI in Finance” featured industry leaders including Ameya Prabhu, Managing Director of NAFA Capital; Amar Shah, Managing Director and Head of Global Markets NFPR at Bank of America; and Bipin Babu, founder of GrowQR AI. The discussion was moderated by Dr. Namit Cholisi, CEO of Tend Health.
Opening the discussion, Shah emphasized India’s strong economic trajectory, arguing that the country is not merely a future growth story but a present one. “India is not the next growth story — it is the current growth story,” Shah said, noting that the country has historically been a major contributor to global economic output and is regaining that position. He added that sectors ranging from life sciences and agriculture to defense and artificial intelligence are poised for expansion as the economy grows.
Shah also highlighted the importance of finance in sustaining economic growth, describing it as the “lifeblood” of the economy that must remain ahead of emerging challenges. “The market has definitely become safer post 2008,” he said, adding that stronger regulation has enabled greater cross-border capital movement and expanded financial products globally.
Turning to artificial intelligence, Babu stated that AI should be viewed as a tool that enhances human decision-making rather than replacing investors. “AI will always remain a tool that strengthens human capability,” he noted, explaining that automation can handle analytical processes while investors focus on strategic judgment. Babu also pointed out that AI is leveling the playing field in finance, as smaller firms and individual traders can now access advanced analytics that were previously available only to large institutions with extensive research teams.
“The same analysis that required large teams earlier can now be done through AI tools,” he said, adding that greater access to technology is creating new opportunities for smaller market participants. The discussion also addressed concerns among young professionals about job losses due to automation. Panellists noted that technological revolutions historically disrupt existing roles but eventually create new employment opportunities.
Prabhu cited earlier fears surrounding computerization in banking, which ultimately led to massive job creation in the technology and financial services sectors. “Technology disrupts jobs but also creates many more opportunities,” he said. He added that successful investors are distinguished less by access to information — which is increasingly available through digital tools — and more by temperament, experience, and the ability to navigate market cycles. “Markets test investors over time,” he stated. “Temperament and experience matter more than access to knowledge today.”
On attracting global institutional capital to India, Shah emphasized that consistent enforcement of financial regulations is crucial. “Good laws matter, but enforcement matters even more,” he said, adding that transparent reporting standards and strong regulatory frameworks help global investors evaluate opportunities across markets.
The conversation underscored the growing integration of AI in finance while reaffirming the indispensable role of human insight. As the financial landscape evolves, industry leaders agree that the combination of advanced technology and seasoned judgment will shape the future of investment strategies and market engagements.
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