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.

22 adequate amount of funding, so attracting investors is one of the successful management decisions to ensure the upward dynamics of AI development in Ukraine, both in wartime and in the period of post-war recovery. The growth in financial costs for the application of AI technologies, according to forecasts by some analysts and experts, amounted to 59 billion USD in 2025, and this figure may double to 130 billion USD by 2028. We summarized the experience gained in implementing AI technologies and outlined its value in the application by financial institutions in carrying out various operational activities (Table 1). Table 1 Advantages and disadvantages of using AI technologies in the financial sector Functional application of AI Directions of using AI in the provision of financial services The benefits relate to increased competitiveness, improved operational efficiency, and improved customer experience in providing financial services. A problematic shortcoming is the lack of methodological approaches to measuring the level of profitability of investments in AI technologies, a lack of knowledge about the implementation of AI technologies, and constant threats to the protection of personal data and cybersecurity. Widespread use of AI technologies in IT functions, sales, marketing, service operations Investment portfolio optimization, trading in financial instruments, customer acquisition processes and experience management, as well as data processing (Big Data) and reporting generation Source: compiled by the author based on research results An analysis of the satisfaction level of financial institutions that use AI to provide financial services showed that this tool has increased the operational efficiency and value of such institutions. In Ukraine, AI technologies are already being implemented by PrivatBank, OTP Bank, Oschadbank, Sense Bank, FUIB, Universal Bank and others. Their priorities are credit scoring, product personalization, optimization of call centers and forecasting customer behavior. The National Bank of Ukraine is also testing AI in