INTELLIGENT FINANCE: HOW AI IS RESHAPING THE FUTURE OF FINANCIAL SERVICES
Keywords:
FinTech, Artificial Intelligence, Automation, Financial Innovation, Machine LearningAbstract
The financial technology (FinTech) sector is undergoing a radical transformation driven by artificial intelligence (AI) and automation technologies. This article comprehensively examines the profound impact of intelligent systems across critical financial domains, including customer service, fraud detection, algorithmic trading, and risk management. By leveraging advanced technologies such as machine learning, natural language processing, and robotic process automation, financial institutions are achieving unprecedented levels of operational efficiency, predictive accuracy, and personalized service delivery. Through detailed analysis of innovative case studies from industry leaders, this article illuminates how AI-driven solutions are not merely technological upgrades but fundamental reimaginings of financial service models. This article also critically explores the complex landscape of challenges and ethical considerations inherent in deploying intelligent systems, offering nuanced insights into the technological, regulatory, and human factors that will shape the future of finance in an increasingly AI-powered ecosystem.
References
Data Bridge Market Research, "Global AI in FinTech Market - Industry Trends and Forecast to 2029," April 2022. [Online]. Available: https://www.databridgemarketresearch.com/reports/global-ai-in-fintech-market?srsltid=AfmBOoqBbP0MecVJN-u5j4yHNYT5dwEPzGGq9_PC8rS0Xrw8mQInD5ln
Deloitte India, "State of AI in India," December 2022. [Online]. Available: https://www2.deloitte.com/content/dam/Deloitte/in/Documents/Consulting/in-State-of-AI-in-India-2022-noexp.pdf
Nadeem Ahmad and Skander Gasmi, "The Role of Machine Learning in Modern Financial Technology for Risk Management," August 2024, [Online]. Available: https://www.researchgate.net/publication/383463168_The_Role_of_Machine_Learning_in_Modern_Financial_Technology_for_Risk_Management
London Stock Exchange Group Labs, "NLP in Financial Services," [Online]. Available: https://www.lseg.com/content/dam/lseg/en_us/documents/research-findings/nlp-in-financial-services.pdf
Bonnie G. Buchanan, "Artificial Intelligence in Finance," Alan Turing Institute, April 2019, [Online]. Available: https://www.turing.ac.uk/sites/default/files/2019-04/artificial_intelligence_in_finance_-_turing_report_0.pdf
Michael Adelusola, "AI-Driven Cybersecurity: A Systematic Review of Current Research and Future Directions," ResearchGate, April 2021, [Online]. Available: https://www.researchgate.net/publication/386503794_AI-Driven_Cybersecurity_A_Systematic_Review_of_Current_Research_and_Future_Directions
Carsten Maple et al., "The AI Revolution: Opportunities and Challenges for the Finance Sector," ResearchGate, August 2023, [Online]. Available: https://www.researchgate.net/publication/373552066_The_AI_Revolution_Opportunities_and_Challenges_for_the_Finance_Sector
Neha Thakur and Aryan Sharma, "Ethical Considerations in AI-driven Financial Decision Making," Journal of Management & Public Policy, Vol. 15, No. 3, March 2024, [Online]. Available: https://jmpp.in/wp-content/uploads/2024/06/Neha-Thakur-and-Aryan-Sharma.pdf
World Economic Forum, "The Future of Financial Services," June 2015, [Online]. Available: https://www3.weforum.org/docs/WEF_The_future__of_financial_services.pdf
Muhammad Anshari et al., "Financial Technology with AI-Enabled and Ethical Challenges," ResearchGate, June 2021, [Online]. Available: https://www.researchgate.net/publication/352232933_Financial_Technology_with_AI-Enabled_and_Ethical_Challenges
Published
Issue
Section
License
Copyright (c) 2025 Narasimha Rao Vanaparthi (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
