Opening a trading account in India now takes minutes. Knowing what to do once you’re in is much harder.

This gap was the focus of Dale Vaz’s keynote at TechSparks 2026. The co-founder and CEO of fintech company Sahi argued that the last decade of fintech solved the issue of access, but not outcomes.

“Everybody here has a broking app,” Vaz told the audience. “But when you think about outcomes, do people really feel confident about what to do with their money? The numbers indicate most of us are still struggling.”

Vaz described a familiar pattern among retail investors. People start investing, then struggle to make sense of their portfolios. A bad day in the market leaves them unsure about whether to buy, sell, or quit altogether.

The cause, he said, is complexity: too much jargon, too much data, and too many tools. Investors are left with two poor choices. They can spend years becoming experts, or they can trust someone promising guaranteed returns.

Regulator-led investor education has helped, Vaz said, but a wide gap remains between people’s intent to grow their money and their capability to do it.

AI is increasingly pitched as the answer. But Vaz cautioned that general-purpose chatbots carry three serious flaws when money is involved.

The first is hallucination. “A model is confidently wrong. It will never tell you it’s wrong,” he said. That might be acceptable for an essay, but not for financial decisions.

The second is missing context. ' without knowing that half your portfolio is already in banking stocks.

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