The financial sector is actively adopting artificial intelligence technologies for data analysis, process automation, and decision-making. However, the growing role of AI raises new legal concerns related to security, transparency, and accountability.
In 2025, many countries and international organizations have adopted or are proposing new legislative initiatives aimed at strengthening oversight of AI applications in finance. The main goals are to prevent fraud, reduce systemic risks, and protect customer rights.
One of the key aspects is the requirement to disclose algorithms, conduct mandatory certification and audits of AI systems, and clearly define liability for errors or misuse.
Particular attention is being paid to data privacy protection and the prevention of discrimination based on automated decisions, contributing to the development of a fair and transparent market.
These legal initiatives encourage financial institutions to implement ethical technologies and build trust-based relationships with clients — a crucial factor for the stable development of the industry.
Experts note that effective AI regulation in finance will become a key driver of innovation and boost the competitiveness of companies.
Future prospects include expanding international cooperation and adapting legislation to keep pace with rapidly evolving technologies.