A new era of financial services: How AI enhances investment efficiency

摘要

Financial investment is an important part of the modern economy, promoting economic growth and wealth accumulation through the efficient allocation of capital. However, with the rapid development of global financial markets, the investment environment has become increasingly complex. Investors not only need to cope with a large amount of data and information, but also to capture market opportunities and avoid risks in a timely manner. Traditional investment analysis methods and tools are often overwhelmed when dealing with these complexities. Over the past period of time, the rapid advancement of artificial intelligence (AI) technology has brought new hope to financial investment (Holzinger et al., 2023). Through its powerful data processing capabilities, pattern recognition, and predictive analytics, AI is able to cope with the complexity and dynamics of the financial market, effectively enhancing the efficiency of traditional financial institutions and demonstrating great potential and broad application prospects. Financial complex systems are networks of multiple interconnected financial entities and activities that exhibit complex interactions and dependencies. These systems typically exhibit nonlinear behavior, dynamic evolution, and have self-organizing features. Traders, financial firms, and investors, as the core elements of financial complex systems, together constitute the operating mechanism of financial investment markets through complex interactions and information exchange. In this study, we will discuss how AI technology can empower financial investments (Ahmed et al., 2022) to enhance their efficiency from the perspective of financial complex systems and analyze their limitations and potential drawbacks from a new perspective. The rapid development and application of AI technology, especially in the sector of financial investment, not only foretells a fundamental change in the way the financial market operates, but also strengthens the technological foundation and clarifies the potential direction for the future development of the financial industry. Digital intelligence (Vijayakumar et al., 2022) finance will accelerate into a new era. The financial market is an intricate and ever-evolving landscape where trading operations entail the processing of vast amounts of data, instantaneous analysis, and swift decision-making (Sharma & Gupta, 2024). Conventional trading practices, heavily dependent on extensive human resources and intricate computational models, are not only labor-intensive and time-consuming but also susceptible to delayed judgments and suboptimal decisions. As financial markets become increasingly globalized and technology races ahead at an unprecedented speed (Ahmed et al., 2022), the intricacy of trading operations grows, compelling traders to make swifter and more accurate decisions. In this context, AI technology shows strong potential to simplify complex financial transaction activities and improve efficiency and accuracy (Tanaka et al., 2024). AI technology helps financial institutions and investors cope with the complexity and uncertainty of the market by judging market trends, optimizing portfolios and providing real-time decision support, thus effectively improving financial investment efficiency at all levels. For traders, review is a crucial part of the investment process. By analyzing technical indicators of the candlestick charts, the review process seeks out the characteristics of a stock's trend and forecasts the stock price movements. However, this process is not only time-consuming and labor-intensive but also demands that investors possess profound technical analysis expertise and sharp judgment. AI technology showcases its capability to forecast price movements across a diverse array of assets, including stocks, bonds, commodities, and currencies, by analyzing various factors such as historical price data, trading volumes, market news, and socioeconomic indicators. Currently, the