INTELIGÊNCIA ARTIFICIAL APLICADA ÀS FINANÇAS: Um panorama a partir de estudos internacionais

Abstract

Artificial Intelligence and Machine Learning have been employed in a wide range of financial applications, transforming processes, creating new products, and enabling innovative business models. This study provides an overview of the international scientific output published between 2020 and 2025 on artificial intelligence and finance. It is a bibliographic and bibliometric investigation that draws on qualitative and quantitative secondary data. The results indicate that: (a) it is a growing field; (b) China leads in the number of publications; (c) AI is present in a diverse array of financial applications; (d) new models have been developed to improve the performance of these applications; and (e) the field is characterized by a tension between rapid technical advancements and ongoing ethical and regulatory challenges. Future research agendas should focus on developing governance frameworks that ensure model transparency and auditability.