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Regulatory approaches to Artificial Intelligence in finance

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  • OECD

Abstract

The use of Artificial Intelligence (AI) in finance has increased rapidly in recent years, with the potential to deliver important benefits to market participants and to improve customer welfare. At the same time, AI in finance could also amplify existing risks in financial markets and create new ones. This report analyses different regulatory approaches to the use of AI in finance in 49 OECD and non-OECD jurisdictions based on the Survey on Regulatory Approaches to AI in Finance.

Suggested Citation

  • Oecd, 2024. "Regulatory approaches to Artificial Intelligence in finance," OECD Artificial Intelligence Papers 24, OECD Publishing.
    • Handle: RePEc:oec:comaaa:24-en
    DOI: 10.1787/f1498c02-en
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    Cited by:

    1. Ahmed Chafai & Rym Oueslati & Hatem Salah, 2025. "Innovation Activities and Sustainable Firm Growth in Arab Countries: The Role of Bank Funding, Institutional Quality and Bank Competition," Working Papers 1819, Economic Research Forum, revised 20 Dec 2025.
    2. Radeef Chundakkadan & Subash Sasidharan & Kausik Chaudhuri, 2025. "Automation, firm performance, and employment: Evidence from developing countries," Journal of Evolutionary Economics, Springer, vol. 35(5), pages 873-900, November.
    3. Muhammad Faizal Samat, 2025. "The Impact of Cashless Payment Adoption on the Performance of Small and Medium Enterprises in Malaysia," GATR Journals gjbssr662, Global Academy of Training and Research (GATR) Enterprise.
    4. Safari, Ashkan & Oshnoei, Arman & Blaabjerg, Frede, 2025. "A review of recent AI applications in next-generation power electronics," Applied Energy, Elsevier, vol. 402(PA).
    5. Thompson, Jamie & Igarashi, Reika & Krowinska, Agata & Logan-McFarlane, Ashleigh, 2025. "Is it real or not? construction of meaning and identity in virtual influencer marketing," Journal of Business Research, Elsevier, vol. 194(C).
    6. Yan-Mei Li & Hui-Min Lin & Hong-Yu Wu & Yi-Fan Gu, 2026. "How Business Model Innovation Affects Carbon Performance of Mobile Phone Industry Chain Enterprises: The Mediating Role of Artificial Intelligence and Green Technology," Advances in Management and Applied Economics, SCIENPRESS Ltd, vol. 16(2), pages 1-5.
    7. Demombynes, Gabriel & Langbein, Jorg Gero & Weber, Michael, 2025. "The Exposure of Workers to Artificial Intelligence in Low- and Middle-Income Countries," Policy Research Working Paper Series 11057, The World Bank.
    8. repec:aou:nszioz:y:2025:i:4:p:57-72 is not listed on IDEAS
    9. Weber, Karl Matthias & Dachs, Bernhard & Rozgonyi, Krisztina & Zweifler, Zoe & Beckert, Bernd & Gruber, Sonia & Hummler, Andreas & Kroll, Henning & Neuhäusler, Peter & Rothengatter, Oliver & Schwäbe, , 2026. "Wege zur Stärkung der Forschung und Anwendung von künstlicher Intelligenz in Europa," Studien zum deutschen Innovationssystem 6-2026, Expertenkommission Forschung und Innovation (EFI) - Commission of Experts for Research and Innovation, Berlin.
    10. Yang ZHANG & Ziang QIU Ziang & Donghyun PARK & Shu TIAN, "undated". "Role of Artificial Intelligence in Finance: Selective Literature Review and Implications for Asia's Financial Stability," Working Papers wp61, South East Asian Central Banks (SEACEN) Research and Training Centre, revised Feb 2026.
    11. Anna Katashvili & Eka Gegeshidze, 2025. "AI-Powered HR Platforms: Transforming Workforce Management Through Intelligent Systems," International Journal of Business and Management, International Institute of Social and Economic Sciences, vol. 12(2), pages 13-23, October.
    12. Alexandrov, Georgii A., 2025. "When does artificial intelligence replace process-based models in ecological modelling?," Ecological Modelling, Elsevier, vol. 499(C).
    13. gert Bijnens & Joep Konings & Aaron Putseys, 2025. "Unveiling the J-curve: How Intangibles Drive Productivity Mismeasurement," Working Papers of VIVES - Research Centre for Regional Economics 779815, KU Leuven, Faculty of Economics and Business (FEB), VIVES - Research Centre for Regional Economics.
    14. Chang, Chia-Yang (Mac) & Park, Sungjun (Steven) & Dinh, Minh Cong, 2026. "Advice by Algorithms: Dual Dimensions of Trust in AI Financial Service Adoption," Journal of Retailing and Consumer Services, Elsevier, vol. 88(C).
    15. Junhui Jeff Cai & Xian Gu & Liugang Sheng & Mengjia Xia & Linda Zhao & Wu Zhu, 2025. "AI as "Co-founder": GenAI for Entrepreneurship," Papers 2512.06506, arXiv.org.
    16. Sigale Dadirai Mweha, 2026. "Operationalising Ethical AI: A Governance Framework for Generative AI Adoption in Sub-Saharan African SMEs," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(1), pages 1245-1257, January.
    17. Grzegorz Czapski & Mariusz Pyra, 2026. "Artificial Intelligence in Economic Education: Adoption, Uses and Student Perceptions in Higher Education," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 551-568.

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