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AI innovation and financial system resilience: The role of international IP protection

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  • Meng, Qingxing
  • Yuan, Ziyan
  • Hou, Yan

Abstract

This paper investigates how artificial intelligence (AI)-driven innovation, the strength of international intellectual property protection, and cross-national variations in data sovereignty laws influence financial system resilience. Leveraging cross-country panel data from 2001 to 2023, the analysis reveals three key findings: First, AI-related technological advancements significantly bolster the stability and adaptive capacity of financial systems, underscoring their role in mitigating systemic risks. Second, the intensity of international intellectual property protection emerges as a critical intermediary mechanism, linking AI innovation to enhanced financial resilience. Third, disparities in data sovereignty legal frameworks exert a moderating effect. These results highlight the interplay between technological progress, institutional frameworks, and regulatory environments in shaping financial stability.

Suggested Citation

  • Meng, Qingxing & Yuan, Ziyan & Hou, Yan, 2026. "AI innovation and financial system resilience: The role of international IP protection," Finance Research Letters, Elsevier, vol. 89(C).
    • Handle: RePEc:eee:finlet:v:89:y:2026:i:c:s1544612325024948
    DOI: 10.1016/j.frl.2025.109245
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