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Sector Analysis

Finance & AI Risk

Based on Oxford Martin School Research · 2013

Financial services face above-average automation risk, particularly in routine analysis and data processing roles.

Average risk

41%

Jobs analyzed

7

Highest risk role

Accountant58% risk

Jobs in this sector

Job titleRisk score 2026Level
Accountant58%Medium
Bookkeeper58%Medium
Insurance Agent56%Medium
Financial Analyst44%Medium
Economist32%Low
Investment Banker30%Low
Actuarial Analyst12%Low

Analysis

The finance sector presents a divided picture. Roles centered on data processing — bookkeeping, tax preparation, basic financial analysis — face automation probability scores above 90% in the Oxford research. These tasks follow rules, process structured data, and require minimal social judgment.

Advisory and relationship roles tell a different story. Wealth managers, investment advisors, and financial planners score below 30% — their value lies in trust, behavioral coaching, and navigating ambiguous client situations that no algorithm handles well.

The pattern emerging across finance: AI augments the analyst, replaces the clerk. Professionals who move up the value chain — from processing to advising — are structurally protected.

The Oxford research was conducted before large language models existed. Current evidence suggests automation pressure on mid-level analyst roles has accelerated significantly since 2013.

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All risk scores based on Frey & Osborne (2013), Oxford Martin School. Note: this study predates generative AI — actual risk may be higher than shown.