Harnessing artificial intelligence to optimize financial technologies for achieving sustainable development goals.

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This comprehensive review examines the convergence of Artificial Intelligence (AI), Financial Technologies (FinTech), and the United Nations Sustainable Development Goals (SDGs). It explores the transformative potential of AI in enhancing FinTech solutions to address global challenges outlined in the SDGs. The study provides an in-depth analysis of current AI applications in financial services, their impact on sustainable development, and emerging trends in this rapidly evolving field. Key findings reveal that AI-driven FinTech innovations can significantly contribute to financial inclusion, poverty reduction, and economic growth. Machine learning algorithms are revolutionizing credit scoring, risk assessment, and fraud detection, while natural language processing is enhancing customer service and market analysis. Computer vision technologies are improving security measures and streamlining processes in the financial sector. However, the study also identifies critical challenges that must be addressed, including data privacy concerns, algorithmic bias, and the widening technological gap. The review concludes with a series of recommendations for policymakers, financial institutions, and technology developers. These guidelines aim to promote the responsible and effective leverage of AI in FinTech to achieve the SDGs, emphasizing the need for ethical considerations, regulatory frameworks, and cross-sector collaboration. This research provides valuable insights for stakeholders working at the intersection of AI, FinTech, and sustainable development, offering a roadmap for harnessing these technologies to create a more inclusive and sustainable global financial ecosystem.