Financial wellness for all: Disrupting advisory services with AI

Financial wellness for all: Disrupting advisory services with AI - Tenity Insights from Davos 2025

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The future of financial advisory is here

Financial planning has traditionally been a service reserved for the wealthy—those with access to elite advisors and wealth managers.

But what if AI could change that?

In the latest episode of Innovation Connected, recorded at the World Economic Forum in Davos, we dive into the story of Money Planned, an AI-driven fintech platform that is revolutionizing wealth management. Hosted by Max, Venture Partner at Tenity, this episode features Nikhila and Sameer Shashank, co-founders of Money Planned and participants in Tenity’s Singapore accelerator program.

They discuss the lack of financial advisory access, how AI is bridging the gap, and their plans for global expansion.

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The Problem: financial advisory is a privilege, not a right

In many countries, financial planning is a luxury. In India, for example, there are more than 180 million upper-middle-class individuals but only 1,400 registered financial advisors. This gap leaves millions without guidance, often leading to poor financial decisions.

"In India, there's a complete lack of access to financial advisory... There's more than 180 million upper middle class but just 1,400 registered advisers in India."

The challenge is clear: financial literacy and investment advice are difficult to access. That’s where Money Planned comes in.

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The solution: AI-powered financial planning

Money Planned has built a patented AI-driven financial planning platform that helps users plan, invest, and track their money. Their technology offers:

✅ AI-powered financial plans tailored to individual goals
✅ Automated investment management with portfolio tracking
✅ A unified view of finances, eliminating fragmentation

"Once they sign up, we have an AI assistant that helps them build the right financial plan... recommends where they should invest, how much they should invest, and how they should diversify."

By leveraging AI, Money Planned is democratizing financial planning, making it accessible to millions who previously lacked guidance.

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Building trust: how Fintech scales in emerging markets

While digital adoption is rising, fintech companies face a trust barrier—especially in markets like India, where users rely on human advisors.

"In India, trust is the number one factor... We have offline partners and distributors to help convert and build the trust with customers."

To overcome this, Money Planned has adopted a hybrid approach, combining:

- Digital automation for younger, tech-savvy users
- Offline financial advisors for those needing personal guidance
- Corporate partnerships, offering financial wellness programs for employees

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This strategy has accelerated adoption, proving that a mix of tech and human interaction is key to success in fintech.

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The Tenity Accelerator experience: A game-changer for growth

A major turning point for Money Planned was their participation in Tenity’s Singapore Accelerator program, which provided funding, mentorship, and global exposure.

"The Tenity accelerator program is modular... and I think those were the best months of the year for us last year. It was very immersive, hands-On, and a massive perspective shift."

The program helped them refine their pitch, develop a scalable business model, and connect with corporate partners like UBS.

"We didn’t realize how much impact it would have… We are better founders today because of it."

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Scaling beyond India: The global vision

With fintech booming worldwide, Money Planned is now exploring expansion into international markets. The company has already seen interest from the U.S., Singapore, Switzerland, and Europe.

"We’re in the exploratory phase for internationalizing our product... But since we built it from the ground up with an international vision, we are well-prepared."

Their AI-driven approach is geography-agnostic, meaning the core technology can be applied anywhere, making it easier to scale.

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Conclusion: AI is the future of Wealth management

The financial advisory space is ripe for disruption, and Money Planned is proving that AI can provide affordable, accessible, and effective financial planning for millions.

As they continue to expand beyond India, their tech-first, trust-driven approach could set a new global standard for wealth management.

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For more insights into fintech investment trends, corporate venture capital, and startupgrowth strategies, subscribe to Innovation. Connected – World Economic Forum Davos 2025 Edition.

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