{"id":157284,"date":"2026-09-01T01:20:11","date_gmt":"2026-09-01T01:20:11","guid":{"rendered":"https:\/\/www.europesays.com\/ai\/157284\/"},"modified":"2026-09-01T01:20:11","modified_gmt":"2026-09-01T01:20:11","slug":"retail-investing-opens-up-to-ai-assistants","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ai\/157284\/","title":{"rendered":"Retail Investing Opens Up to AI Assistants"},"content":{"rendered":"

Scalable Capital became the first bank in Europe to open its investment platform directly to outside artificial intelligence assistants on Aug. 25, letting customers connect ChatGPT, Claude or Grok to a real brokerage account holding actual money, Scalable Capita<\/a>l said<\/a> in its announcement.<\/p>\n

The German neobroker, which holds more than \u20ac60 billion for over 1 million customers, calls the feature Agentic Investing. Once connected, the AI can analyze a customer\u2019s actual portfolio, compare it against a benchmark, calculate a savings plan needed to hit a specific goal, or adjust a limit order, all through plain-language prompts.\u00a0Every trade and savings plan still requires the customer\u2019s explicit confirmation before it executes, and deposits and withdrawals remain restricted to Scalable\u2019s own app and website.<\/p>\n

\u201cA lot of people might still be hesitant to let ChatGPT look at their portfolio, manage their portfolio,\u201d Scalable Capital co-CEO Erik Podzuweit told Reuters<\/a>, describing the launch as a \u201cfirst step\u201d ahead of even deeper AI integration planned inside Scalable\u2019s own app.<\/p>\n

The mechanics run through the Model Context Protocol<\/a>, an open technical standard that lets an AI system connect directly to outside services like a brokerage account.<\/p>\n

US Brokers Are Taking Different Paths to the Same Destination<\/p>\n

American brokerages have been building toward this same collapse of distance between advice and execution through several different models. Robinhood<\/a> launched Agentic Trading and an Agentic Credit Card on May 27, letting an outside AI agent connect to a dedicated sub-account with its own budget and place real trades, PYMNTS reported<\/a>.<\/p>\n

\"Preferred<\/p>\n

We\u2019d love to be your preferred source for news<\/a>.<\/p>\n

Please add us to your preferred sources list so our news, data and interviews show up in your feed. Thanks!<\/p>\n

\u201cOur mission has always been to democratize finance for all, and now, that mission extends to AI agents,\u201d Robinhood CEO Vlad Tenev said<\/a> in the company\u2019s own release. Robinhood confines the agent\u2019s trading activity to that separate account, though the agent can still view a customer\u2019s full portfolio across every account they hold.<\/p>\n

Interactive Brokers<\/a> has taken a narrower approach so far. They launched<\/a> Ask IBKR in October, an AI tool that answers a client\u2019s questions about their own portfolio rather than generating trading instructions or connecting to an outside model like Claude or ChatGPT.<\/p>\n

Public<\/a> has gone further than either. The company became the first brokerage to introduce AI agents for investing<\/a>. The customers can set standing instructions for an AI agent to execute trades, move cash and manage risk automatically inside Public\u2019s own app, and separately, Public also lets customers connect Claude Desktop<\/a> directly to a real brokerage account through the same Model Context Protocol Scalable Capital and Robinhood use, spanning stocks, ETFs, options and cryptocurrencies.<\/p>\n

Power Users Already Manage Investments Through AI<\/p>\n

These launches are targeting a specific, already-identified behavior. PYMNTS Intelligence found<\/a> that power users, consumers using AI to complete 27 or more distinct tasks a month, represent 10% of all consumers and 19% of millennials specifically, a group whose activity includes higher-complexity tasks like personal investment management.<\/p>\n

Mainstream users, by comparison, average around eight tasks a month and skew toward lower-complexity activities like comparison shopping, while holdouts who haven\u2019t adopted AI at all still make up 53% of the population and 72% of baby boomers.<\/p>\n

Power users have also grown more reliant over time, not just more numerous: Their average monthly task count rose from 25 in September to 27 in December, and 75% have used AI for at least a year, according to the same research. That is the exact population Scalable Capital, Robinhood, Interactive Brokers and Public are each racing to serve, consumers who have already moved past using AI to occasionally research a stock and toward folding it into a regular financial routine.<\/p>\n

For all PYMNTS AI coverage, subscribe to the daily AI\u00a0Newsletter<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"Scalable Capital became the first bank in Europe to open its investment platform directly to outside artificial intelligence…\n","protected":false},"author":2,"featured_media":157285,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[24,25,883,66,310,10085],"class_list":["post-157284","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ai","tag-ai","tag-artificial-intelligence","tag-investments","tag-news","tag-pymnts-news","tag-robinhood"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/157284","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/comments?post=157284"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/posts\/157284\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media\/157285"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/media?parent=157284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/categories?post=157284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ai\/wp-json\/wp\/v2\/tags?post=157284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}