Artificial Intelligence (AI) is reshaping financial decision-making by providing affordable, automated, and personalized tools that can support both individual investors and micro, small, and medium enterprises (MSMEs). This study examines perceptions of AI-driven financial platforms with emphasis on awareness, trust, and concerns among 100 respondents from Tamil Nadu, India. The analysis, based on descriptive design and supported by ANOVA and factor analysis, revealed that men reported greater confidence and willingness to use AI-based investment services, while women showed stronger concerns about privacy and reliability. Three underlying dimensions were identified: familiarity and preference for AI tools, perceived benefits and risks, and belief in AI’s ability to replace human advisors. Findings highlight that while AI can democratize financial access, adoption depends largely on user trust and gender-specific comfort levels. For MSMEs and entrepreneurs, AI-enabled financial literacy, transparent data practices, and hybrid human–AI advisory systems are essential for inclusive and responsible usage.