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We as human beings are insecure creatures who find new ways to secure our future. Investing in future profiting assets is most welcoming and comforting for us. For instance, purchasing stocks or real estate is believed to generate some future income. However, there is always uncertainty about losses of the acquired assets. What if the value of the asset decreases and the expected benefits go down the pan? So, there is always a potential risk with investment. 

But, how to ensure that you have lesser risks and more potential rewards? In this article, you will learn about an AI investing app that will help you plant your seed in the right spot at the right time and maintain it in the right conditions.

Similar to buying varieties for yourself, buying different types of investment brings joy and contentment. However, before investing in different segments, you must learn how an investment works.

How Investment Works?

In order to gain profit in the future, you require upfront disbursement. When you invest, whether in the form of money or labor or time, it can grow and produce profits. To ensure profits for the investment in a financial product, you need to set up an investment account with the help of a financial professional. 

For instance, you invest in stocks through an AI stock investment app. You wait till the market rises and your stock gains profit. After seeing the appreciation value, you decide to either sell or wait for the value to grow more profit. 

Similarly, investments are also made in businesses. These investments are made in the form of stocks, capital goods, human resources, and physical capital.  With trending tools and technologies, new investment applications are assisting investors to make better and more profitable decisions. 

How Is AI Assisting the Finance Industry?

Some of the big players in the financial industry are aggressively investing in integrating and developing AI infrastructure and scaling use cases to capture more value. 

The AI spending in 2023 was $35 billion and is expected to rise up to $97 billion by 2027, representing a compound annual growth rate of 29%.

JPMC president and COO remarks: ‘Gen AI use cases at the banks will deliver up to $2 billion in value’. 

Citizen Banks also expects to see the efficiency grow by 20% through AI. The technology will automate activities like coding customer service and fraud detection to ensure end-to-end security.

There is no doubt that artificial intelligence is the gateway to ingenious and innovative operational efficiency in the financial industry. However, the implementation of the technology requires a compatible ecosystem. Hence it is important to integrate AI strategically which will pave the way to meet the increasing and rapidly changing demands of financial services. 

Robinhood is one such brilliant platform for e-trading embedded with AI. Robinhood leverages the trade of stocks, exchange-traded funds & cryptocurrency, and other banking services for free. 

Robinhood – An Extraordinary AI Investment Application

Source: TradingView

Robinhood is a powerful Artificial Intelligence integrated tool/app that makes trade easy as pie. The tool was developed to eradicate the differentiation between the wall street and other Americans to trade stocks in the US. Now, this financial product is accessible to everyone to secure their future. 

You would ask, what is the need for AI integration within the app? Integrating the newest technology, AI, will help in quicker identification of trends and investment opportunities. Further, it will guide users with their investment strategies while offering portfolio optimization. 

Key Features of An Investing App like Robinhood

Features of An Investing App like Robinhood

1. Free Trading

To create investing apps like Robinhood, it is important to allow users to trade commission-free. Since the application was introduced to eradicate the differences in commission paid by Americans, a similar app must also share the same feature. It should also allow users to buy and trade ETFs, options, stocks, and more for investors.

2. Seamless Dashboard

To make navigation easy, the interface of the application must be simple yet captivating. The design and the features within the app should be easily reachable and accessible for investors of all levels (beginners to advanced) to navigate and trade effortlessly. 

3. Real-Time Data

Since it is an investing application, it must have one of the essential features that is; updated data. To ensure that the users use your AI investing app, it is important for them to stay updated on their investments. Providing them with real-time data assists them with making informed and right decisions for their investments. 

4. Fractional Shares

This is an advanced feature of the application that makes the user a long-term investor via the investing app. Some of the best AI investing apps allow investors to buy only a portion of a share. Robinhood provides flexibility to investors to even invest in expensive shares without compromising on their pockets. In short, the app leverages share diversification with less capital investment. 

5. Options Trading

Another advanced feature that makes Robinhood one of the preferred choices for investors is Options trading. The app offers advanced charts that help fine-tune the trading strategy. The feature helps track and modify technical indicators, like MA (moving average), relative strength index (RSI), MACD (moving average convergence divergence), etc. 

6. Trade Crypto

Robinhood also leverages the selling and buying of the cryptocurrency at lowest rates in the U.S. The application contains cold storage for vast crypto, like BTC, ETH, XRP, SOL, DOGE, ADA, AVAX, XLM, LINK, SHIB, LTC, PEPE, AAVE, BONK, WIF, etc, allowing secure & simple trading without deposit or withdrawal fees. Additionally, you get custom pricing alerts, strategy suggestions to plan advanced trades, and much more.

Also Read: How To Develop AI Stock Prediction App In 2025?

7. Securing Retirement

Robinhood also ensures people moving towards retirement are safe and secure. The application offers an unlimited 2%-3% match on IRA. Transferring amounts from IRAs or old 401(k)s is absolutely easy and profitable as it offers unlimited match potential and gain on every dollar. 

8. Future Trading

What makes Robinhood an exceptional investing and trading application is its policies. The application is on the verge of launching a feature that allows investors to trade S&P 500, Gold, cash, oil, and Bitcoin without any greeks, PDT rules, or time decay. Additionally, the feature lets you access the special tax treatment and lowest commission in the market with a single tap.

9. Bank Transfers & Linking

Robinhood can be seamlessly linked to your bank accounts for effortless trading and investments. The application charges no fees for instant deposits, bank transfers, wire transfers, withdrawing money, unlinking accounts, cancel transfers, and early direct deposits within minutes or 24 hours. 

10. Secured and Encrypted

Since the application allows seamless and multiple investments, it is equally important to ensure the security of all for every investor. Robinhood follows high-security standards for quality execution of commission-free stock trading. The application protects the securities and cash of the investors with SIPC along with financial LLC and securities LLC to supplement SIPC protection. The app has embedded robust security measures and tools to protect accounts and offer reimbursements for direct losses.

11. News & Resources

This AI investment app offers a large library of resources for investors to learn and trade better. Whether you are a beginner or an experienced, through real-time and updated content you can always plan and better strategize your trade and financial investments. 

12. Credit Card

Robinhood has expanded its services by offering physical cards to its Gold members. The perks offered by the credit card are trip interruption protection, roadside dispatch, travel & emergency assistance, visa signature concierge service, auto rental collision damage waiver, and much more. Additionally, the card can be customized for family spending, with limit settings and lock lost card tracking instantly.

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How to Build an AI Investment App Like Robinhood

In order to develop the best stock market app, it is recommended to create a step-by-step scope of work. A similar stock trading app like Robinhood must be developed following the below steps:

Identify Pain Points: Similar to investment apps like Robinhood, companies must analyze the pain points of the investors. In return, the application must provide a useful solution to grabbing the possible opportunity. Along with Robinhood, companies can analyze other competitors like E*Trade, Acorns, Webull, and more.

Architecture and Orchestration: The next step to a successful trading app is planning out essential advanced feature sets. Along with fulfilling the problem of the investors, the app must also provide some perks and benefits to keep the investors contented and become long-term/loyal users of the application.

MVP and Designing: Contemplating the UI is the most important part. Features must be easy to access and fonts & color/combination of the application should be readable and subtle. React Native, Flutter, and Figma/Adobe XD are some of the best tools for designing and prototyping.

Note: It is advisable to create a minimum viable product with requisite features to gain confidence that your idea is appreciated and provides a solution to the real problem.

Tools and Technology: The right combination of tools and technology can impact the success of an AI trading app. AI Development company must ensure the frameworks and resources used within the app are future-proof and work across multiple domains. 

The programming languages that are considered ideal for the development of a robust AI investment app are: Python, JavaScript, Swift & Kotlin. To integrate advanced technologies like AI and ML, TensorFlow/PyTorch can leverage trend prediction, trading strategies, and risk assessment. Scikit-learn/XGBoost and OpenAI GPT/BERT are AI-powered tools for predictive analysis and financial and investment advisory.

To provide users with real-time market data and stock insights, developers must integrate technologies like Alpaca, Polygon.io, Quandl, Yahoo Finance, and Apache Kafka. Also for trading and Brokerage, programmers can integrate APIs like: E*TRADE API, Traider API, and Interactive Brokers API for seamless order execution and account management.

While developing a robust and feature-rich application as Robinhood, companies must orchestrate security measures in case of malicious activities. Two-factor authentication strengthens security while OAuth 2.0/JWT, 256-bit Encryption (AES), SOC 2 & GDPR compliance ensures secured authentication and adherence to regulatory conditions. 

Read More: How to Develop an AI Trading App like WeBull?

For endless scalability, integrate AWS/Google Cloud/Azure cloud hosting and Kubernetes/Docker for containerization. CI/CD Pipelines (Jenkins, GitHub Actions) ensure uninterrupted integration and data deployment while Stripe/Paypal/Plaid offers seamless payment transactions. 

Finally, for automation and algorithmic trading, the programmer must be well-versed with QuantConnect/Zipline, Metatrader 4/5 API, and HFT algorithms. These tools also provide backtesting and low-latency trade execution.

Test and Launch: Integrating these advanced technologies ensures scalable and secure application development. It is equally important to test the application to ensure all the features are navigating the investor to its recommended function. For instance, the payment gateway feature must provide the user options for buying a stock. 

The application must be launched on Google’s and iOS app stores for Android as well as iOS users. Monitoring app usage and feedback helps in improvising the app on time. Regular updates and fixes help in strengthening the app and regulating its performance.

“The transformative development of AI in banking demands a comprehensive and strategic approach.” : Dr. Kostis Chlouverakis, EY CESA Financial Services AI Leader / CESA-MENA Corridor AI & Data Leader

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Final Words

Robinhood – a stock selling and buying app has offered a real-time solution to the problem of U.S. investors. It has eradicated the commission fee boundaries while securing the retirement of the investors. You as a stock trading app development company can develop a similar application, integrated with Gen AI and ML, that can solve real-time investment problems while providing future perks for your users for long-term scalability. 

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THE AUTHOR
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Priyank Sharma is a tech blogger passionate about the intersection of technology and daily life. With a diverse tech background and a deep affection for storytelling, he offers a unique perspective, making complex concepts accessible and relatable.

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