Russian Journal of Innovation Economics Russian Journal of Innovation Economics Вопросы инновационной экономики 2222-0372 BIBLIO-GLOBUS Publishing House 123040 10.18334/vinec.15.3.123040 ADYJZT Articles Статьи Research Article Искусственный интеллект в финансовом секторе: возможности, риски и пути регулирования Artificial intelligence in financial services: enhancing efficiency, risk management, and customer experience https://orcid.org/0009-0001-3719-9928 Liu Mingzhu Лю Минчжу

Аспирант кафедры экономики и математического моделирования

 1768760311@qq.com, mingzhuliu00@gmail.com Peoples Friendship University of Russia Российский университет дружбы народов им. Патриса Лумумбы 30 09 2025 15 3 VOL 15, NO3 (2025) ТОМ 15, №3 (2025) 941 966 07 04 2025 08 05 2025 Copyright ©; 2025, Liu Mingzhu Copyright ©; 2025, Лю М. 2025 Liu Mingzhu Лю М. https://1economic.ru/lib/123040

В условиях цифровизации экономики применение искусственного интеллекта (ИИ) в финансовом секторе становится неотъемлемой частью его трансформации. В статье рассматриваются ключевые направления внедрения ИИ в сферу финансовых услуг, включая управление рисками, персонализацию обслуживания и повышение эффективности бизнес-процессов. Основное внимание уделено сравнительному анализу подходов к регулированию и применению ИИ в США, Китае и странах Европейского союза. Научная новизна исследования заключается в систематизации рисков и возможностей, связанных с использованием ИИ в финансовой сфере, а также в формулировке рекомендаций по обеспечению прозрачности и устойчивости таких решений. Статья основана на анализе вторичных данных, правовых актов и аналитических отчетов. Полученные результаты будут полезны для исследователей в области финансовых технологий, регуляторов, разработчиков ИИ-решений и практиков финансового сектора, заинтересованных в безопасной и эффективной интеграции ИИ в профессиональную деятельность.

In the context of economic digitalization, the application of artificial intelligence (AI) in the financial sector is becoming an essential element of its transformation. This article explores key areas of AI implementation in financial services, including risk management, customer service personalization, and the optimization of business processes. Special attention is given to the comparative analysis of regulatory and technological approaches in the United States, China, and the European Union. The scientific novelty of the study lies in the systematization of risks and opportunities associated with AI use in finance, as well as in the development of recommendations to ensure transparency and resilience of AI-based solutions. The research is based on secondary data analysis, legal document review, and analytical reports. The findings will be of interest to researchers in financial technology, regulators, AI developers, and financial sector practitioners seeking to safely and effectively integrate AI into their professional activities.

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