In the context of economic digitalization, the application of artificial intelligence (AI) in the financial sector is becoming an essential element of its transformation. This article explores key areas of AI implementation in financial services, including risk management, customer service personalization, and the optimization of business processes. Special attention is given to the comparative analysis of regulatory and technological approaches in the United States, China, and the European Union. The scientific novelty of the study lies in the systematization of risks and opportunities associated with AI use in finance, as well as in the development of recommendations to ensure transparency and resilience of AI-based solutions. The research is based on secondary data analysis, legal document review, and analytical reports. The findings will be of interest to researchers in financial technology, regulators, AI developers, and financial sector practitioners seeking to safely and effectively integrate AI into their professional activities.