Modern Trends in Information Systems: The Impact of Ai, Iot and Big Data on the Financial Sector

This article provides a comprehensive legal analysis of the impact of modern trends in the development of information systems - artificial intelligence, the Internet of Things (IoT) and big data (Big Data) on the financial sector. The scientific research work reveals the role of this technology in improving the effectiveness of banking institutions, budgetary organizations and their subsidiaries in reducing risks, lending, fraud, investment decision-making and improving service provision. The issues, problems and mechanisms of collecting, processing and producing clear data in the field of business, databases and analytics are discussed.