• Dr. Gunda Srinivas
• Dr. K.Sudha

This paper explores the extensive integration and implications of AI in financial decision-making contexts such as investment strategies, risk assessment, credit scoring, algorithmic trading, and fraud detection. AI-driven tools, including machine learning, deep learning, and natural language processing (NLP), have empowered financial institutions to harness vast datasets, enhancing predictive accuracy and minimizing human biases. Machine learning algorithms effectively predict market trends, optimize investment portfolios, and enhance risk management frameworks by identifying subtle patterns invisible to traditional analytical methods. Furthermore, deep learning models have significantly improved credit assessment practices by accurately predicting creditworthiness through multidimensional data analysis, thus enabling more inclusive financial services. Algorithmic trading, powered by AI, facilitates high-frequency trading decisions, responding instantaneously to market fluctuations, thereby maximizing profits and reducing transaction costs. This paper provides a detailed examination of current practices, potential challenges, and future prospects for AI in financial decision-making, emphasizing the balance between technological advancement and regulatory adherence. Ultimately, AI promises transformative potential in financial decision-making, fostering more resilient, responsive, and intelligent financial ecosystems.

Artificial Intelligence, Machine Learning, Financial Decision-Making, Algorithmic Trading, Risk Management, Credit Scoring, Predictive Analytics, Financial Technologies, Ethical Implications, Data Security.

"THE TRANSFORMATIVE ROLE OF ARTIFICIAL INTELLIGENCE IN SHAPING FINANCIAL DECISION-MAKING – A STUDY ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 11, page no.251-257, November-2025, Available :http://www.jetir.org/papers/JETIRHD06045.pdf

"THE TRANSFORMATIVE ROLE OF ARTIFICIAL INTELLIGENCE IN SHAPING FINANCIAL DECISION-MAKING – A STUDY ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 11, page no. pp251-257, November-2025, Available at : http://www.jetir.org/papers/JETIRHD06045.pdf