Zerodha CEO Nithin Kamath on future of investing and trading in a world of AI: ‘Tools like ChatGPT and Claude make it…'
founder and CEO
Nithin Kamath
recently shared a post on microblogging platform X (formerly Twitter), where he discussed the future of investing and trading in the age of
artificial intelligence
(AI). In the post, Kamath wrote: 'Tools like
ChatGPT
and
Claude
make it clear this shift isn't an "if" but a "when." It might take a few years or a decade, but it's inevitable.' He continued 'Human advisors will still have a role, mainly to help people stick to what these tools recommend'. Kamath further said that brokers (like Zerodha) will be 'a set of 'pipes' connecting users to exchanges and back-office systems'. 'The interfaces will mostly be built by users themselves,' he added.
'In a future where everything is automated, trust and infrastructure will be our only real moats,' Kamath concluded.
Here's the full text of Nithin Kamath's Twitter post
About MCP and the future of investing and trading in a world of AI:
I keep asking K (most likely
Kailash Nadh
, the CTO (Chief Technology Officer) of Zerodha.) about what all this progress in AI means for our business. It feels to me like we're at the very beginning of a massive shift in how financial services will work.
At some point, I think all of it, from investing and trading to banking and payments, will happen through custom AI-powered apps built by users themselves using natural language instructions.
In that world, what's the role of a broker? Likely, we'll just be a set of "pipes" connecting users to exchanges and back-office systems. The interfaces will mostly be built by users themselves. The only way to stay relevant is to ensure we're the best pipe: fast, efficient, reliable, and invisible when it matters.
That's why, over the years, K and the tech team have been obsessively making our systems faster, more scalable, and future-ready. Even if these improvements don't immediately change a customer's trading or reporting experience, we've chosen to fix every possible bottleneck today, not later.
Tools like ChatGPT and Claude make it clear this shift isn't an "if" but a "when." It might take a few years or a decade, but it's inevitable. Human advisors will still have a role, mainly to help people stick to what these tools recommend.
As for how things will evolve, the answer is grey. No one knows. Our approach: stay curious, keep track of the trends, and act where it makes sense. For example, we've intentionally held back on enabling AI-driven order placement.
In a future where everything is automated, trust and infrastructure will be our only real moats.
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