The Future of Investing: How AI Could Unlock £10 Trillion in Wealth

The Future of Investing: How AI Could Unlock £10 Trillion in Wealth

What if AI could help millions of people overcome their fear of investing and build a better financial future?

In this episode of The Future of Business Podcast, Jay Dhillon speaks with Tamara Kostova, Founder and CEO of AllVesta, about the future of investing, behavioural AI and the opportunity to help more people participate in wealth creation.

Tamara has built her career across capital markets, banking and financial technology. After working with major financial institutions and founding an earlier wealth-tech venture, she identified a fundamental problem: making investing accessible doesn't necessarily mean people will invest.

Fear of losing money, a lack of confidence and limited financial education can prevent people from taking the first step even when they have money sitting in savings accounts.

Now, through AllVesta, Tamara is developing AI-powered behavioural intelligence to help financial institutions understand customers more deeply, personalise their investing journeys and encourage healthier long-term financial habits.

We explore the potential to put Europe's vast pool of idle household cash to more productive use, why financial education should start in childhood, and how AI could change the relationship between people, their money and the financial services industry.

We also discuss building AI-native businesses, the importance of trust and distribution, and how greater retail investment could help fund the next generation of entrepreneurs.

• The future of investing: Why the next major shift could be about understanding investors rather than simply selling financial products.

• The £10 trillion opportunity: The scale of idle cash discussed in the interview and its potential significance for Europe's financial markets.

• AI and behavioural psychology: How AI could help identify the fears, motivations and circumstances influencing financial decisions.

• Turning savers into investors: Why access to investment platforms alone isn't enough to change behaviour.

• The power of compounding: Why starting early and thinking long term can transform the way people approach wealth.

• Financial education for children: Why healthy money habits and investing education should begin much earlier.

• Building an AI-native business: How founders can use AI to build leaner companies and scale more effectively.

• The future of fintech: Why personalised customer journeys could become more important than traditional product-led approaches.

• Funding entrepreneurship: How retail investment could support innovation and growing businesses.

• AI, trust and human connection: Why communication, creativity and relationships will remain essential as technology advances.

• The future of work: Tamara's perspective on using AI to improve people's lives rather than focusing only on fears about automation.

Tamara Kostova is the Founder and CEO of AllVesta, a fintech company focused on using AI and behavioural intelligence to help financial institutions engage savers and support their transition towards investing.

Drawing on her experience across capital markets, banking and wealth technology, Tamara is working to address the psychological barriers that prevent people from taking control of their financial futures.

Her vision is to use AI to make investing journeys more personalised, build confidence and help more people develop healthier long-term financial habits.

The future of investing may depend on more than access to technology. It may depend on understanding people, building trust and helping them overcome the fe