SPECIFICS OF INVESTMENT AND FINANCIAL MANAGEMENT IN AN INNOVATIVE ECONOMY: AI IN THE FINTECH SECTOR AS A WAY OF MANAGING RISKS AT THE MICROECONOMIC LEVEL

Анотація

This article is devoted to a general analysis of the transformation of investment and financial management systems in the context of an innovative economy for risk management at the microeconomic level. The article substantiates that in an innovative economy, the focus of investment and financial management, and as a result, the efficiency of enterprise operations, shifts from tangible assets to intellectual capital, human potential, and the philosophy of knowledge and technology. New approaches and methods of microeconomic analysis of an enterprise are considered, namely the transition from traditional performance indicators to modern ones, such as the flexible real options valuation method, strategic metrics of market growth, rolling forecasting, and Agile principles. Special attention in the study is paid to the implementation and impact of artificial intelligence in the financial technology sector. Today, the fintech sector demonstrates rapid growth in all areas. It is noted that artificial intelligence plays a key role in business process automation, strategic planning, and minimizing negative impacts at the microeconomic level. Based on statistical data from leading international institutions, the direct positive impact of artificial intelligence on the business processes of fintech companies is analyzed and confirmed. However, like any innovative process, artificial intelligence brings its own specificities, including specific microeconomic risks that enterprises face. Among them, the following are highlighted: cybersecurity risks, data processing and privacy risks, AI-generated deepfakes, systematic risk in financial systems, etc. It is proven that managing specific innovation risks at the microeconomic level requires changes in traditional approaches to innovation and financial management and indicates that the use of innovative technologies in these areas ensures a systemic positive impact on the microeconomic indicators of the enterprise.

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