Engineering and Technology
| Open Access |
DOI: AI-Powered Cloud Platforms for Micro-Investment and Wealth Building
Sai Nitesh Palamakula , Software Engineer Microsoft Corporation Charlotte, NC, USA Anusha Meka , Director of Engineering Microsoft Corporation Charlotte, NC, USAAbstract
The democratization of investing remains a critical global challenge, particularly for populations excluded from traditional wealth-building tools due to insufficient capital, limited literacy, or systemic barriers. Recent advances in cloud computing and artificial intelligence (AI) offer an unprecedented opportunity to bridge this gap at scale. This paper investigates the end-to-end design, implementation, and evaluation of AI-powered cloud platforms for micro-investment and wealth building. We explore design patterns and architectural paradigms that leverage modular, scalable cloud infrastructure to support a new generation of micro-investment tools. Emphasis is placed on AI-driven recommendation systems, explainability, and the integration of regulatory and security requirements. The system architecture is described in detail, including data ingestion, AI model pipelines, portfolio management, compliance layers, and user interfaces. Implementation frameworks, performance and fairness evaluation criteria, and deployment challenges are presented. The paper concludes with an honest assessment of current technical, ethical, and regulatory limitations, as well as recommendations for the responsible advancement of AI-powered micro-investment platforms.
Keywords
Cloud fintech, micro-investment, AI-driven recommendation systems, wealth building, financial inclusion, portfolio optimization, regulatory compliance, explainable AI, cloud-native architecture, security and privacy, financial services
References
World Economic Forum, “Here’s how AI is transforming finance, according to CFOs,” Mar. 25, 2025. [Online]. Available: https://www.weforum.org/stories/2025/03/ai-transforming-finance-cfo-insights/
Superprompt.com, “Best AI Tools for Small Business Automation in 2025,” Aug. 17, 2025. [Online]. Available: https://superprompt.com/blog/best-ai-tools-small-business-automation-2025-save-time-money
N. Pappu, “The Architecture of Enterprise AI Applications in Financial Services,” Zendata, Feb. 4, 2025. [Online]. Available: https://www.zendata.dev/post/the-architecture-of-enterprise-ai-applications-in-financial-services
K. Lamont, “A Handbook to Evaluating Global AI Investments,” Morningstar, Aug. 21, 2025. [Online]. Available: https://global.morningstar.com/en-gb/personal-finance/financial-advisors-handbook-evaluating-global-ai-investments
G. Drenik, “AI Is Changing The Wealth Management Industry… Forever,” Forbes, Feb. 25, 2025. [Online]. Available: https://www.forbes.com/sites/garydrenik/2025/02/25/ai-is-changing-the-wealth-management-industry-forever/
J. Shaikh, “AI-Driven Recommendation Systems for Finance,” Capital Numbers, Mar. 19, 2024. [Online]. Available: https://www.capitalnumbers.com/blog/ai-driven-recommendation-systems-finance/
“AI Wealth Management: Transforming Financial Services with AWS Marketplace,” AWS. [Online]. Available: https://aws.amazon.com/marketplace/solutions/generative-ai/what-is/ai-wealth-management/
Forbes Finance Council, “20 Challenges AI Poses For The Finance World And How To Overcome Them,” Forbes, Apr. 29, 2025. [Online]. Available: https://www.forbes.com/councils/forbesfinancecouncil/2025/04/29/20-challenges-ai-poses-for-the-finance-world-and-how-to-overcome-them/
L. Weaver, “Using AI To Help Fix Wealth Management,” Forbes, May 16, 2025. [Online]. Available: https://www.forbes.com/councils/forbesbusinesscouncil/2025/05/16/using-ai-to-help-fix-wealth-management/
Purely Investing, “Exploring the Impact of Community and Micro-Investing on Financial Inclusion,” Nov. 28, 2024. [Online]. Available: https://purelyinvesting.com/community-and-micro-investing/
Simple App, “Micro-Investing: Making Finance Accessible to Everyone,” [Online]. Available: https://simple.app/blog/micro-investing/
A. Basit, “The Rise of AI-Powered Micro-Investing Assistants and Their Impact on Financial Inclusion in Developing Countries,” Bm Times, Apr. 8, 2025. [Online]. Available: https://bmtimes.co.uk/the-rise-of-ai-powered-micro-investing-assistants-and-their-impact-on-financial-inclusion-in-developing-countries/
S. Alexander and J. Miller, “What We Can Learn About Wealth Disparities in a Moment of Unprecedented Intergenerational Wealth Transfer,” Financial Health Network, Jan. 24, 2025. [Online]. Available: https://finhealthnetwork.org/what-we-can-learn-about-wealth-disparities-in-a-moment-of-unprecedented-intergenerational-wealth-transfer/
Dataintelo, “Micro Investing Platform Market Report | Global Forecast From 2025 To 2033,” [Online]. Available: https://dataintelo.com/report/micro-investing-platform-market
Business Research Insights, “Micro Investing App Market Report Overview,” 2025. [Online]. Available: https://www.businessresearchinsights.com/market-reports/micro-investing-app-market-113710
Verified Market Reports, “Micro-Investing Platform Market,” [Online]. Available: https://www.verifiedmarketreports.com/product/micro-investing-platform-market/
Stanford EdTech Lab, “Micro Investing Apps,” Jun. 16, 2025. [Online]. Available: https://edtechdev.stanford.edu/micro-investing-apps
Capital Numbers, “AI-Driven Recommendation Systems for Finance,” Mar. 19, 2024. [Online]. Available: https://www.capitalnumbers.com/blog/ai-driven-recommendation-systems-finance/
X. Li et al., “Adaptive Financial Recommendation using Fuzzy and Neural Algorithms,” Big Data Analytics, 2024. [Online]. Available: https://link.springer.com/article/10.1007/s44196-024-00719-x
RTS Labs, “AI in Financial Planning: Use Cases, Benefits, and Adoption Tips,” 2025. [Online]. Available: https://rtslabs.com/ai-in-financial-planning/
J. Doyle, “How Machine Learning Is Transforming Portfolio Optimization,” CFA Institute, Sep. 5, 2024. [Online]. Available: https://blogs.cfainstitute.org/investor/2024/09/05/how-machine-learning-is-transforming-portfolio-optimization/
I. Demidov, “Adopting Cloud-Native Architectures: A Guide for Mid-Sized Fintech Firms,” DEV Community, Jun. 17, 2025. [Online]. Available: https://dev.to/ilyademidov/adopting-cloud-native-architectures-a-guide-for-mid-sized-fintech-firms-2455
Article Statistics
Copyright License
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.