Digital transformation in retirement planning: AI-driven solutions bridging technology and financial security

Dasaraiahgari, Vamsikrishna (2025) Digital transformation in retirement planning: AI-driven solutions bridging technology and financial security. World Journal of Advanced Engineering Technology and Sciences, 15 (2). pp. 2210-2218. ISSN 2582-8266

This article examines the transformative impact of artificial intelligence on retirement planning and investment services. It shows how AI-powered virtual assistants and underwriting intelligence are revolutionizing client interactions, risk assessment, and financial decision-making across the retirement services ecosystem. The article explores the technical architecture requirements for implementing AI solutions, highlighting language model development, integration frameworks, data security considerations, and scalability requirements. Demographic article reveals significant generational differences in technology adoption, necessitating tailored implementation strategies that balance innovation with accessibility. The article concludes with a forward-looking assessment of AI's trajectory in retirement services and provides a strategic implementation roadmap for financial institutions. Throughout the article analysis, quantitative performance metrics demonstrate AI's substantial improvements in accuracy, efficiency, personalization, and compliance compared to traditional approaches.