БЛОКЧЕЙН І ШТУЧНИЙ ІНТЕЛЕКТ У СИСТЕМАХ ФІНАНСОВОГО КОНТРОЛЮ: СИНЕРГІЯ ІННОВАЦІЙ ДЛЯ ЕКОНОМІЧНОЇ БЕЗПЕКИ
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Надіслано: 07-11-2025
Опубліковано: 30-04-2026
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Анотація
Зростання складності глобальних фінансових систем зумовило необхідність упровадження більш ефективних і прозорих механізмів боротьби з відмиванням грошей (AML). Технологія блокчейн із її децентралізованими, незмінними та прозорими характеристиками є перспективним рішенням для подолання обмежень традиційних систем AML. У цій роботі досліджено потенційні застосування блокчейну для покращення функціонування систем фінансового контролю, зокрема в рамках дотримання вимог AML, із зосередженням на ключових галузях, таких як моніторинг транзакцій, міжінституційний обмін даними та регуляторна звітність. Інтеграція блокчейну може оптимізувати процеси AML, знизити операційні витрати та підвищити ефективність виявлення незаконної фінансової діяльності. Автори розглядають поєднання технологій блокчейну та алгоритмів штучного інтелекту у фінансовому моніторингу. Показано, як автоматизація аналізу транзакцій може зміцнити стабільність банківської системи та запобігти фінансовим злочинам. Продемонстровано, що конвергенція штучного інтелекту й технологій блокчейну надає трансформаційну можливість для зміцнення систем AML, особливо в умовах зростання фінансових злочинів, пов’язаних із криптовалютою. Це дослідження пропонує кілька важливих внесків в академічну літературу. По-перше, у ньому представлено синтез поточного стану підходів штучного інтелекту, які використовують для дотримання вимог у виявленні шахрайства в біткоїн-транзакціях. У цьому огляді обговорені основні методології й тактики в певній галузі, яка перетинається з фінансами та дотриманням вимог, але підпадає під ширші дисципліни фінансів на основі штучного інтелекту й децентралізованих фінансів (DeFi). Упровадження штучного інтелекту у фінансовий контроль знаменує собою величезну технологічну революцію, яка впливає на всі галузі промисловості. По-друге, ця робота оцінює поточний стан публікацій, основні тенденції та прогалини в дослідженнях, підкреслюючи, які царини потребують додаткового вивчення.
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