Proceedings of the International scientific and practical conference ―Science in the Era of Globalization‖ (May 22-24, 2026) / Publisher website: www.naukainfo.com. - Zurich, Switzerland, 2026. - 353 p.

21 current transformational changes in financial markets. The application of AI systems covers a wide range of tasks and areas, in particular, from risk management, financial monitoring to payment system automation and scoring. More than 18 leading financial institutions in the US, Canada, Europe and Asia are already actively using AI, including: Bank of America, JPMorgan Chase, Capital One, Royal Bank of Canada, Wells Fargo, Goldman Sachs, CommBank, DBS Bank, Citigroup, UBS, ING, BNP Paribas, HSBC, TD Bank, Bank of Montreal, Scotiabank, Mizuho Financial Group, Sumitomo Mitsui Financial Group and others. [2]. A characteristic feature of the 21st century is the rapid development of digital technologies and AI. Therefore, any modern society needs new ideas in various fields, including innovative technologies, both in the military sphere and in everyday civilian life [3, р.17]. Artificial intelligence (AI) is not only developing, but on the contrary, is confidently breaking its way into the domestic and global labor market, automating routine tasks and creating new professions, which leads to a redistribution of labor and increasing requirements for professional competencies of specialists. Now we are observing how, in the conditions of the russian-Ukrainian war, the demand for AI, cybersecurity, and data analysis specialists has increased. This demand is due to the need to gradually reduce the number of military personnel on the battlefield and replace them with combat systems with built-in artificial intelligence (AI) [4]. The use of AI, the latest technologies and other advanced innovative programs in the digital economy allows to improve the quality of administrative services in the public sector of the economy, promptly solve problems, and improve the quality of service to business partners and the population in general [5]. The introduction of AI into the financial sector, along with significant benefits, creates additional risks and threats associated with regulatory uncertainty, the need to improve cyber protection systems and create reliable safeguards, methods, and techniques for storing personal data. Despite certain risks, at the current stage of development, it is very important to expand and improve AI technologies. At the same time, their growth requires an