Digital Technologies and Financial Innovations: Effect of AI and Blockchain

Session

Management Business and Economics

Description

The application of digital technologies in the financial sector is producing an impact in a way that has not been seen before, enabling innovations in processes, structures and products. This application is increasing operational efficiency, improving services and generating more profit. Nevertheless, despite their potential, the adoption and integration of these technologies in the regional financial sector may face challenges such as limited digital infrastructure, regulatory constraints, and a lack of specialized expertise, potentially slowing innovation. The most popular technologies that we have included in this research are artificial intelligence (AI) and blockchain and distributed ledger technology (DLT). This study aims to analyze the tangible impact of these technologies on the development of financial innovations in the regional context. The research will be based on mixed approach, including quantitative analysis through surveys and case study evaluation. The results are expected to provide recommendations and interesting findings for the academic reader and for businesses in the financial sector.

Keywords:

Digital technologies, financial innovation, artificial intelligence, blockchain, financial management

Proceedings Editor

Edmond Hajrizi

ISBN

978-9951-982-41-2

Location

UBT Lipjan, Kosovo

Start Date

25-10-2025 9:00 AM

End Date

26-10-2025 6:00 PM

DOI

10.33107/ubt-ic.2025.404

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Oct 25th, 9:00 AM Oct 26th, 6:00 PM

Digital Technologies and Financial Innovations: Effect of AI and Blockchain

UBT Lipjan, Kosovo

The application of digital technologies in the financial sector is producing an impact in a way that has not been seen before, enabling innovations in processes, structures and products. This application is increasing operational efficiency, improving services and generating more profit. Nevertheless, despite their potential, the adoption and integration of these technologies in the regional financial sector may face challenges such as limited digital infrastructure, regulatory constraints, and a lack of specialized expertise, potentially slowing innovation. The most popular technologies that we have included in this research are artificial intelligence (AI) and blockchain and distributed ledger technology (DLT). This study aims to analyze the tangible impact of these technologies on the development of financial innovations in the regional context. The research will be based on mixed approach, including quantitative analysis through surveys and case study evaluation. The results are expected to provide recommendations and interesting findings for the academic reader and for businesses in the financial sector.