Financial technology and Investment Decisions in the Financial Markets: Risks and Opportunities

Guendouz, Billal; Hammad, Othmane

المجلة الجزائرية للعلوم الإجتماعية والإنسانية
Volume 13, Numéro 2, Pages 569-582
2025-12-29

Financial Technology And Investment Decisions In The Financial Markets: Risks And Opportunities

Authors : Guendouz Billal . Hammad Othmane .

Abstract

This study explores the influence of Fintech, specifically robo-advisors and cryptocurrencies on investment decisions within financial markets. Employing an analytical approach, we examine how these emerging financial technologies shape investment behaviors and strategies. The findings indicate that both robo-advisors and cryptocurrencies, despite being relatively recent innovations, have significantly transformed the investment landscape. Robo-advisors have democratized access to investment opportunities by offering cost-effective and user-friendly portfolio management solutions, while cryptocurrencies have introduced a new asset class that enhances diversification and risk management for investors. This study highlights the potential of these technologies to redefine traditional investment practices.