As many as 76 percent of Singapore’s mass affluent and high-net-worth investors use AI for finance and investment, above the global average of 72 percent, yet they continue to look to financial advisers to validate AI-generated insights before making investment decisions.

An HSBC survey, conducted by Ipsos in January and February 2026, revealed the information, the bank said in a statement on Friday. The survey covered 9,993 mass affluent and high-net-worth investors across ten markets, with 609 respondents in Singapore.

AI adoption in Singapore is notably broad across generations. Gen X investors report AI use in finance at 72 percent against a global equivalent of 65 percent, while Baby Boomers in Singapore use AI at 72 percent versus 59 percent globally.

Among high-net-worth investors with $2 million or more in investable assets, AI adoption reaches 90 percent compared with 82 percent globally, with Singapore’s wealthiest respondents attributing an average 40 percent of their investment returns over the past 12 months to AI influence.

However, adoption does not translate into reliance. Only 8 percent of Singapore investors say AI was the single most influential source in their last major investment decision, against 12 percent globally.

Investors utilize AI to research and analyze at 69 percent, for strategy support at 44 percent, and to stress-test ideas at 34 percent, then bring those findings to professional advisers for reassurance at 79 percent and strategic expertise at 71 percent. More than half, 57 percent, prefer AI and advisers working together, above the global figure of 50 percent.

Ashmita Acharya, Head of International Wealth and Premier Banking at HSBC Singapore, said the data shows Singapore investors are using AI with discipline, arriving at conversations better prepared and expecting more from professional advisers as a result.

The findings come as HSBC and Google Cloud announced a multi-year strategic AI partnership in June 2026, with hyper-personalized wealth management support among its three initial focus areas, expected to enable more than 200 new AI use cases across HSBC’s global operations within two years.

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