Abstract
This essay explores the challenges and developments of FinTech in the era of artificial intelligence (AI). It highlights the potential benefits of AI in automating processes, enhancing decision-making, and delivering personalized financial services. However, it also identifies corresponding risks associated with the use of AI tools, including the source of data, the reliability of financial decisions, and potential disruption to the financial industry. The essay proposes effective strategies to address these challenges and discusses the role of AI in shaping the future of FinTech.
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