Research on the Transformation of Digital Financial Services Model Enabled by Artificial Intelligence

Abstract

This article systematically explores the internal logic and implementation path of the transformation of digital financial service models enabled by artificial intelligence from a theoretical perspective. The research shows that artificial intelligence can effectively alleviate information asymmetry, reduce transaction costs, and promote the transformation of service models from standardization to personalization, from passive response to proactive prediction, and from human-driven to intelligent-driven. The article analyzes from application dimensions such as intelligent risk control, intelligent marketing, and intelligent customer service, and points out that current challenges include data security and algorithm transparency, and makes forward-looking predictions on future development trends.