Artificial Intelligence (AI) is on the verge of being fully democratized, and this could potentially change every interface that employees and customers rely on. AI will allow clients to access an incredible amount of information and ask questions in a language that the client is comfortable with and receive answers. AI will also improve client education and generate efficiencies for practitioners. AI will have a significant impact by providing more personalized, data-driven advice in specific areas such as portfolio optimization, risk management, fraud detection, tax analysis and even relationship management. However, AI’s ability to learn and adapt means that its responses will evolve over time and may be unpredictable.