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.

23 regulatory processes: detecting money laundering, forecasting inflation and increasing operational efficiency. In 2024, an internal model testing project was launched, and in June 2025, a delegation of the National Bank of Ukraine discussed international practices at a meeting of the Bank for International Settlements in Basel. Currently, the use of AI in finance is not just a trend, but a strategic development tool. It requires human expertise, control and gradual implementation. Over the next five years, Ukrainian banks that actively integrate AI will be able to improve the quality of customer service, reduce operating costs and offer personalized financial products, bringing Ukraine's financial sector closer to world standards [2]. Marketing technologies are widespread - chatbots, conversational AI technologies, customer service, etc. The vast majority of financial, accounting, and reporting subsystems of financial organizations quite often require the use of AI in operational activities. Among the main benefits of using AI in the financial sector are improving the availability of services, obtaining timely information, increasing the level of economic efficiency of service provision, and increasing the satisfaction of financial services consumers. As noted, AI technologies have led to the creation of significant risks and threats, and this concerns the need to verify the reliability of information, strengthen cyber defense systems, various problems with discrimination, bias and confidentiality, which can negatively affect users of financial services. Practice shows that sometimes AI-generated systems cause significant challenges in terms of reliability and quality of results, and also carry threats and risks due to the insufficient level of digital literacy of service users. The current application of AI technologies is accompanied by the emergence of new channels and sources of dissemination and transmission of systemic flaws and risks of financial markets. First of all, we are talking about dependence on third parties, such as: developers and suppliers of AI technologies, leakage of information or other data, etc. There may be a risk of dependence of financial institutions on cloud services and third-party service providers, which can simultaneously serve as