OpenAI has acquired the AI-powered personal finance app Roi, according to an announcement by Roi Co-Founder and CEO Sujith Vishwajith. In a social media post, Vishwajith said, “We started Roi 3 years ago to make investing accessible to everyone by building the most personalized financial experience. Along the way we realized personalization isn’t just the future of finance. It’s the future of software.”
He added, “This acquisition marks an incredible milestone for Roi, and we’re thrilled to continue building out our vision at OpenAI.” Sources report that Vishwajith will be the only member of Roi’s four-person team joining OpenAI, while Roi will wind down operations and end its service to clients on October 15. Terms of the deal were not disclosed.
The acquisition aligns with broader trends in AI-driven finance, including the rise of “cognitive banking,” which uses AI to provide proactive guidance based on transaction and behavioral data. Research shows 75% of bank customers want more personalization, and embedded conversational AI could regain 72% of clients by offering tailored financial recommendations. “Cognitive banking is not just about automation — it’s about personal relevance, timing and trust,” the report noted, reflecting the shift toward more intelligent and contextual financial services.
