International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 7, Issue 3 (May-June 2025) Submit your research before last 3 days of June to publish your research paper in the issue of May-June.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 7 Issue 3
May-June 2025

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

AI and Machine Learning in Financial Decision-Making

Author(s) Aditya Raj
Country India
Abstract The application of Machine Learning (ML) and Artificial Intelligence (AI) in decision-making in finance has transformed the way banking institutions and other financial organizations perceive data, assess risk, and invest. Applications such as predictive analytics, automated trading platforms, and fraud detection tools, powered by AI, have accelerated decision-making, minimized bias, and maximized accuracy. This research considers the influence of technology readiness and the application of AI on the effectiveness of decision-making in finance, analyzing their association and cause-and-effect through statistical modeling.
The research shows that financial institutions with higher levels of AI adoption have better financial performance, reduced risks, and enhanced fraud detection. Nevertheless, regulatory hurdles, algorithmic transparency, and ethical issues are barriers to the adoption of AI in the financial sector. Emphasis is placed on strong AI governance frameworks, regulatory enforcement, and ongoing monitoring of AI performance to provide fairness, accuracy, and trustworthiness in AI-informed financial decisions.
With continuous development in AI, banking and financial establishments will have to embrace responsible usage of AI practices, invest in digital infrastructure and enhance employees' awareness of AI to remain competitive. Organizations, through AI utilization for real-time insights and strategy based on data, can boost financial resilience, enhance investment portfolios, and manage risks, and thus, develop a safer, better, and more sophisticated financial system.
Keywords Artificial Intelligence, Machine Learning, Financial Decision-Making, Predictive Analytics, Algorithmic Trading, Risk Assessment, Fraud Detection, AI Governance, Technological Readiness, Financial Institutions
Published In Volume 7, Issue 2, March-April 2025
Published On 2025-04-30
DOI https://doi.org/10.36948/ijfmr.2025.v07i02.42920
Short DOI https://doi.org/g9g73c
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 7 Isu 3Cover Page Vol 7 Isu 2Cover Page Vol 7 Isu 1

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com