Exploring the Evolution, Impact and Growth of Investment and Trading Applications/strong>
Authors:-Shivang Gurjar, Umesh Bashyal, Khushi Vishwakarma, Priyanshi Shah, (Dr.) Monika Bhatnagar
Abstract-This paper explores the evolution, impact, and growth of investment and trading applications in the financial ecosystem, emphasizing how these platforms have revolutionized access to the market for retail and institutional investors alike. With the rise of fintech innovations, applications such as robo-advisors, micro-investing apps, and algorithmic trading platforms have democratized investing, lowering barriers to entry and automating portfolio management. These apps leverage advanced technologies like artificial intelligence (AI), machine learning (ML), and big data analytics to offer personalized investment strategies, real-time trading, and portfolio optimization. The paper examines the technological underpinnings of these applications, highlighting the role of AI and algorithmic systems in transforming traditional trading approaches. Case studies of platforms like Groww, Zerodha, and Upstox illustrates how investment apps have expanded market participation, particularly among younger, tech-savvy investors in India. However, the widespread adoption of these platforms has also raised concerns about overtrading, market manipulation, and speculative behaviour. Through a comprehensive review of the benefits, risks, and regulatory challenges, this research also addresses ethical concerns surrounding the gamification of trading and the protection of inexperienced investors. As investment apps continue to evolve, the paper explores future trends, including the integration of blockchain in decentralized finance (DeFi), increased regulatory scrutiny, and the growing focus on sustainability and environmental, social, and governance (ESG) investments. This study provides valuable insights into the ongoing transformation of the financial landscape through technology-driven investment solutions.
