AI-augmented decision-making in financial services

Anugu, Swapna Reddy (2025) AI-augmented decision-making in financial services. World Journal of Advanced Research and Reviews, 26 (1). pp. 1067-1074. ISSN 2581-9615

Artificial intelligence has fundamentally transformed decision-making across the financial services industry. By integrating machine learning with human expertise, financial institutions now leverage AI systems to conduct real-time risk assessment, detect and prevent fraud, optimize investment portfolios, and provide enhanced decision support to professionals. These AI-augmented approaches enable faster analysis of transaction data, more accurate identification of patterns and anomalies, improved forecasting capabilities, and data-driven investment strategies. While delivering significant advantages in operational efficiency, credit risk management, fraud prevention, and investment performance, the industry still faces challenges related to regulatory compliance, model transparency, and data privacy. Looking forward, explainable AI, federated learning, natural language processing, and quantum computing represent promising directions for further advancing financial decision-making capabilities