Singapore investors are embracing artificial intelligence (AI) for financial tasks at a rate surpassing the global average, according to a recent HSBC study. The research highlights that 76% of Singapore’s mass affluent and high-net-worth (HNW) investors utilise AI for finance and investment, compared to a 73% global average. Despite this, they remain cautious, preferring to validate AI insights with human advisers before making decisions.
The study, part of HSBC’s global Human-AI Advantage research, surveyed over 600 Singapore investors in early 2026. It found that whilst AI is integrated into their research processes, Singapore investors still prioritise expert human advice at critical decision points. This cautious approach is evident as only 8% rely solely on AI for major investment decisions, with 40% opting for a hybrid AI-then-adviser model.
Generational trends reveal that AI adoption is not limited to younger investors. Gen X and Baby Boomers in Singapore show significant AI usage at 72%, outpacing their global counterparts. High-net-worth investors, with assets over US$2m, show even higher AI adoption at 90%, attributing 40% of their investment returns to AI influence.
HSBC is enhancing its AI capabilities with tools like Wealth Intelligence and AI Prepare, aiming to support advisers with comprehensive insights and client engagement. The bank’s partnership with Google Cloud is set to expand AI use cases globally, further integrating AI into wealth management.
Ashmita Acharya, Head of International Wealth and Premier Banking at HSBC Singapore, noted, “Singapore’s investors are using AI with discipline, setting a higher bar for what good advice looks like.” The study underscores the balance Singapore investors maintain between AI innovation and human judgement.
