Emerging Trends in AI and NLP for Personalized Financial Services: Advances in Predictive Intelligence

Sanjukta Chakraborty
DOI:10.30954/2348-7437.1.2025.5

Abstract:

The rapid advancement of Artificial Intelligence (AI) and Natural Language Processing (NLP) is

transforming financial sector, enabling the delivery of highly personalized services powered by predictive

intelligence. This study explores emerging trends in AI and NLP that are reshaping financial services by

enhancing customer interactions, risk assessment, and decision-making processes. Cutting-edge machine

learning models, such as deep learning and reinforcement learning, are powering real-time analysis

and customized financial solutions. NLP techniques, including sentiment analysis, chatbots, and voice

recognition, are improving customer interactions by more effectively interpreting and reacting to natural

language inputs. Additionally, predictive intelligence is being utilized for fraud detection, credit scoring,

and investment strategies, enhancing accuracy and efficiency in financial activities. The combination

of AI and big data analytics enables financial institutions to predict customer needs, enhance portfolio

management, and automate advisory services. This research also identifies challenges like data privacy,

regulatory compliance, and ethical concerns when implementing AI-powered financial solutions. As AI

and NLP advance, the future of finance is poised for greater automation, enhanced personalization, and

broader financial inclusivity. The study underscores the importance of responsible AI adoption, emphasizing

transparency, fairness, and security in financial applications. This paper explores current trends and possible

future advancements, providing insights into how AI-powered predictive intelligence is revolutionizing

the future of financial services, ultimately enhancing user experience and operational efficiency in the

financial industry.