Robo Advisory and WealthTech Entrepreneurship Companies Adoption, Policy Risk and Market Potential in Indian Financial Market

Abstract

The Indian financial services in specially the Robo advisory and WealthTech companies have the growth in the last some years. Because of the technological adoption in the digital banking transformation that can be plays the leading role into the adoption of the investment in the Indian and technological driven investment. the study examines the how regulatory compliance form the government side role of the structured framework influence the adoption of the fintech operation in day-to-day life. this study is conducted by using the survey data of the 150 Gujarat based resident, that includes the retail investor, student professionals, business owners. A conceptual model links regulatory requirements (SEBI, RBI, data protection) that helps the take the decision on the based with the result. Survey results show 51.33% adoption rate, driven by cost expectations, yet 76% express high concern about data privacy risks, and only 30% show strong willingness to adopt digital platforms. This research forms empirical linkages between regulatory compliance, operational resilience, and market adoption in emerging markets, contributing to fintech literature and policy design.