The paper investigates the factors that determine the adoption and fulfillment regarding robo-advisory services in India as opposed to human financial advisory services. This research specifically intends to find out whether the cost, trust, and technological comfort determine the preference for one service over the other. The approach involves correlation, regression, and factor analysis on survey data of 240 respondents. Descriptive statistics results suggest that the “Comfort with Technology” is significantly positively related to cost, trust, decision-making, and overall satisfaction. The results of regression analysis reveal that “Cost and Accessibility” and “Technological Comfort” are significant predictors of overall satisfaction. However, “Trust and Reliability” is not. Through factor analysis, this study could extract three major dimensions driving user satisfaction, namely: User Experience; Trust and Decision-Making; and Satisfaction and Technology Comfort. These findings suggest that an organization has to focus more on increasing the cost-effectiveness, ease of accessibility, and user-friendly aspect of the technology. Marketing campaigns also need to highlight how far robo-advisors are user-friendly and dependable to increase the rate of adoption, at least among tech-savvy and economically rational users. The research addresses the dynamics of the adoption of the robo-advisory service and makes a practical contribution to financial firms in the quest to improve user satisfaction and market penetration in an Indian context.