Research on AI-Based Smart Finance Innovation Models and Their Impact Mechanisms

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AI applications in finance enhance accuracy in credit assessment and fraud detection, addressing critical industry needs.
The study reveals challenges in digital lending and robo-advisory due to issues like data privacy and algorithmic opacity.
Practical pathways for implementing innovation models like blockchain finance highlight the importance of evolving regulations.
Current bottlenecks in China's AI finance sector suggest the need for improved regulatory frameworks to foster growth.

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This analysis explores AI's role in smart finance applications, identifying challenges in data privacy and regulatory frameworks.

Junyuan Chen (2025) studied this question.

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