Human Expertise Remains Essential

Pan-European Research on AI in Financial Planning

At Innovation Lux, we are proud to announce the successful completion of a major European research project conducted in partnership with Ipsos for our client, OVB Holding AG. The comprehensive, representative study titled “OVB / Ipsos Research Financial Planning in the Age of AI” benchmarked consumer sentiment across five core European markets: Germany, Spain, Hungary, Italy, and the Czech Republic. By surveying  5,000 consumers, the project maps exactly how artificial intelligence is transforming retail financial services and where human expertise remains entirely irreplaceable.

The core takeaway is clear: while AI adoption is accelerating as a powerful digital tool for research, the human advisor remains the ultimate anchor of trust.

Key Pan-European Trends from 5 European Countries

Across the five European markets surveyed, the findings reveal that while consumers increasingly turn to AI to explore financial topics, research products and support their financial planning, they continue to value human expertise, personal guidance and trust when making important financial decisions.

Project Impact

For Innovation Lux, this collaboration highlights our ability to scale complex, multi-market quantitative insights that yield highly actionable strategy. The findings prove that the future of financial planning is hybrid.

For deep-dive regional datasets, localized infographics, and official commentary from the respective country executive boards, please visit the digital press portals of the OVB national subsidiaries.

Official Country Press Releases

To explore the specific regional reporting, localized infographics, and statements from the respective country executive boards, please visit the official media outlets of the OVB national subsidiaries:

• Germany: View the official corporate insights on the OVB Germany Press Room.
• Spain: Access the localized market findings on the OVB España Press Portal.
• Hungary: Read the regional educational impacts via OVB Magyarország Media – to be published on 19th October
• Italy: Examine the privacy-focused parameters on OVB Allfinanz Italia News.
• Czech Republic: Review the technology adoption data on OVB Česká republika Press

“Our pan-European research with Ipsos for OVB Holding AG dismantles the myth that AI will fully replace the human financial advisor. Instead, the data uncovers a powerful mandate for a hybrid future: European consumers want the analytical speed and scalability of AI during their initial research, but they absolutely demand human empathy, validation, and localized accountability before making major lifecycle decisions,” emphasizes Christiane Lesch, CEO Innovation Lux S.á.r.l.