This study examines the impact of artificial intelligence (AI) on financial management, exploring its implementation in financial decision-making strategies, predictive analysis, and risk management. Using a systematic literature review approach, the research covers substantial modifications in operational performance, financial preference making, and customer experience in the banking sector. While AI offers significant benefits such as increased operational efficiency, advanced predictive analysis, and better risk management, it also raises ethical challenges, data security risks, and adoption risks. The study highlights the need for policy and regulatory adjustments to address these challenges. The findings aim to provide guidance for companies and policymakers in navigating the revolutionary changes in financial management in the digital era. Key areas of focus include ethical risks, data security, and the need for comprehensive strategies to mitigate risks. The research emphasizes the importance of understanding the potential of AI in shaping the future of financial management and ensuring that its implementation aligns with financial goals and ethical values.This study examines the impact of artificial intelligence (AI) on financial management, exploring its implementation in financial decision-making strategies, predictive analysis, and risk management. Using a systematic literature review approach, the research covers substantial modifications in operational performance, financial preference making, and customer experience in the banking sector. While AI offers significant benefits such as increased operational efficiency, advanced predictive analysis, and better risk management, it also raises ethical challenges, data security risks, and adoption risks. The study highlights the need for policy and regulatory adjustments to address these challenges. The findings aim to provide guidance for companies and policymakers in navigating the revolutionary changes in financial management in the digital era. Key areas of focus include ethical risks, data security, and the need for comprehensive strategies to mitigate risks. The research emphasizes the importance of understanding the potential of AI in shaping the future of financial management and ensuring that its implementation aligns with financial goals and ethical values.