The intersection of digital finance and artificial intelligence: Transforming financial services in the digital era

This thesis explores the transformative role of artificial intelligence in financial management and accounting, highlighting its potential to enhance efficiency, accuracy, and decision-making capabilities. Unlike traditional systems, AI-powered technologies independently gather and analyze data, enabling adaptive learning and real-time automation. In finance, AI is used for credit analysis, fraud detection, auditing, customer service, and investment advising. The integration of AI into financial systems promotes transparency, reduces operational costs, and improves risk assessment. A key focus is placed on AI maturity models that guide organizations through adoption phases. The study also emphasizes AI's impact on financial service ecosystems through smart contracts and decentralized systems. By examining AI applications across joint-stock companies, this research aims to present a model for effective AI implementation. The work concludes with an evaluation of the strategic, technical, and operational benefits of AI in modern finance. This research contributes to understanding how AI redefines the future of financial services and organizational competitiveness.