This chapter explores the transformative rise of robo-advisory within the broader FinTech revolution, tracing its evolution from traditional human advisors to AI-driven platforms that democratise financial services. The chapter begins by situating robo-advisory within the rapidly evolving financial landscape shaped by digitalisation, disintermediation, and changing client expectations. It examines the drivers behind this shift, including advancements in AI and data analytics, evolving investor demands for personalisation and accessibility, as well as the cost and scalability pressures facing financial institutions. The chapter differentiates between rule-based and AI-powered systems, highlighting how modern robo-advisors increasingly leverage machine learning, behavioural insights, and alternative data to offer dynamic and adaptive services. Emerging trends, such as hybrid advisory models, behavioural nudges, ethical challenges surrounding algorithmic transparency, and inclusivity concerns, are also addressed. Moreover, the chapter maps out key players and market trends, emphasising regional variations, consolidation patterns, and niche market opportunities. A novel framework of six AI-driven business models is introduced to explain how robo-advisory is strategically deployed across incumbent and disruptive financial organisations. The chapter concludes by underscoring that success in robo-advisory is not solely a technological feat but hinges on trust, transparency, user experience, and regulatory alignment. Ultimately, robo-advisors serve as a lens to understand the future trajectory of financial services where AI, automation, and behavioural design converge to reshape how individuals engage with money, risk, and long-term financial planning.