i HOW DOES THE IMPLEMENTATION OF ROBO -ADVISORS IMPACT PERSONAL FINANCIAL PLANNING AMONG INDONESIAN INVESTORS. FINAL PROJECT By Nararya Majdi Aldrino 19021041 Undergraduate Program School of Business and Management Institut Teknologi Bandung ii HOW DOES THE IMPLEMENTATION OF ROBO -ADVISORS IMPACT PERSONAL FINANCIAL PLANNING AMONG INDONESIAN INVESTORS. Nararya Majdi Aldrino 19021041 Undergraduate Program School of Business and Management Institut Teknologi Bandung, 2025 Supervisor: Annisaa Novieningtyas ABSTRACT This study examines the impact of Robo-Advisors on personal financial planning among Indonesian investors, focusing on satisfaction with financial strategies and investment decision-making. Using a structured survey of 42 Robo-Advisor users, the findings reveal that these tools enhance satisfaction by providing personalized recommendations, clear processes, and efficient services, boosting investor confidence. However, their influence on investment decisions remains moderate, as factors like market conditions, financial literacy, and risk preferences still play a crucial role. The study also highlights challenges such as regulatory awareness, cultural factors, and the complexity of financial needs, emphasizing the need for further integration of Robo-Advisors into Indonesia's financial system. Keywords: Robo-Advisors (RAs); Investor Satisfaction; Financial Planning iii BAGAIMANA IMPLEMENTASI ROBO -ADVISOR MEMPENGARUHI PERENCANAAN KEUANGAN PRIBADI DI KALANGAN INVESTOR INDONESIA. Nararya Majdi Aldrino 19021041 Program Sarjana Sekolah Bisnis dan Manajemen Institut Teknologi Bandung, 2025 Pembimbing: Annisaa Novieningtyas ABSTRAK Studi ini meneliti dampak Robo-Advisor terhadap perencanaan keuangan pribadi di kalangan investor Indonesia, dengan fokus pada kepuasan terhadap strategi keuangan dan pengambilan keputusan investasi. Melalui survei terstruktur terhadap 42 pengguna Robo-Advisor, temuan menunjukkan bahwa alat ini meningkatkan kepuasan dengan memberikan rekomendasi yang dipersonalisasi, proses yang jelas, dan layanan yang efisien, sehingga meningkatkan kepercayaan investor. Namun, pengaruhnya terhadap pengambilan keputusan investasi masih tergolong moderat, karena faktor seperti kondisi pasar, literasi keuangan, dan preferensi risiko tetap berperan penting. Studi ini juga menyoroti tantangan seperti kesadaran regulasi, faktor budaya, serta kompleksitas kebutuhan keuangan, sehingga menekankan perlunya integrasi lebih lanjut Robo-Advisor ke dalam sistem keuangan Indonesia. Keywords: Robo-Advisors (RAs); Kepuasan Investor; Perencanaan Keuangan iv APPROVAL PAGE HOW DOES THE IMPLEMENTATION OF ROBO -ADVISORS IMPACT PERSONAL FINANCIAL PLANNING AMONG INDONESIAN INVESTORS. By Nararya Majdi Aldrino ID No: 19021041 A Final Project in Partial Fulfillment of the Requirement for the Degree of Bachelor of Management Undergraduate Program of Management Study School of Business and Management Institut Teknologi Bandung 24 January, 2025 Approved By Dr. rer. pol. Achmad Fajar Hendarman, S.T., M.S.M.