Bluerating | October 2025
Artificial Intelligence has been one of the most discussed topics at conferences and debates in recent years.
Companies directly or indirectly involved in this new revolution have seen and continue to see exponential growth in stock market values, so much so that they fear the arrival of a bubble.
But what is the current state of the art in Italy, and particularly among financial advisors and their clients?
Financial advisors, who have always been the first to experiment with new technologies, are the most satisfied with AI applications, especially in the financial planning and client management tools their clients provide.
Satisfaction has grown by 17% in one year, as has the importance they attribute to AI in simplifying and automating processes that once required much longer time.
AI’s contribution is particularly felt in the digitalization of internal bank procedures, namely the back office (+24%), but it is also growing in potential applications related to customer management (front office +19%).
In the universal banking sector, although we believe there are leading industry leaders working on the application of AI in both back- and front-office procedures, bank managers’ satisfaction with the services provided by the bank and the impact on the quality of their work is on average lower (-25%) than that recorded by financial advisors.
Bank managers at universal banks and financial advisors, however, agree on the importance of AI in supporting customer management activities.
What emerges very clearly from the analyses and research FINER regularly conducts on asset management professionals is that everyone is talking about AI, and, at least for now, few know how to fully exploit its potential.
The perspective of end customers, namely Italian savers and investors, is also interesting. While they use AI regularly (daily or weekly) in over 66% of cases, they are – for now – reluctant to use it for matters relating to their savings and investments (19%).
So, for now, we can rest easy knowing that AI will never replace a valid human professional, but there’s no certainty about tomorrow.
Nicola Ronchetti