Citation

Deshmukh, Renuka and Tan, Siow Hooi and Tan, Yi Fei and Shrivastava, Anurag (2025) Artificial Intelligence for Smarter Financial Decisions - A Comprehensive Analysis of Risk Assessment and Predictive Tools. Journal of Machine and Computing, 5 (3). pp. 1642-1653. ISSN 2789-1801

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Abstract

The advent of Artificial Intelligence (AI) has revolutionized the financial industry by enabling more accurate, efficient, and dynamic decision-making processes. This paper explores the transformative role of AI in financial risk assessment and the development of predictive tools that facilitate smarter financial decisions. It investigates how machine learning algorithms, natural language processing, and neural networks are deployed to assess credit risk, forecast market trends, detect fraud, and enhance portfolio management. By synthesizing recent advancements and real-world applications, this study evaluates the efficacy, reliability, and ethical considerations of AI-driven tools in finance. The paper also addresses the challenges of data quality, algorithmic bias, and regulatory compliance. Through a comprehensive analysis, it provides insights into the current landscape and future prospects of AI in shaping a resilient and intelligent financial ecosystem.

Item Type:	Article
Uncontrolled Keywords:	Artificial Intelligence, Financial Risk Assessment, Predictive Analytics, Machine Learning, Neural Networks, Portfolio Management, Credit Scoring, Fraud Detection, Fintech.
Subjects:	Q Science > QA Mathematics > QA71-90 Instruments and machines
Divisions:	Faculty of Management (FOM)
Depositing User:	Ms Suzilawati Abu Samah
Date Deposited:	28 Jul 2025 08:57
Last Modified:	30 Jul 2025 21:30
URII:	http://shdl.mmu.edu.my/id/eprint/14313

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