The banking and financial sector is undergoing major transformation due to artificial intelligence technologies, which are improving operational efficiency, service quality, and financial decision-making. Banks use AI systems to analyze large financial datasets and detect patterns that support more accurate credit risk assessment and lending decisions. Machine learning is also applied in fraud detection and anti–money laundering systems by monitoring transactions and identifying unusual behavior. AI has enhanced digital banking services through virtual assistants and intelligent response systems that provide fast customer support and reduce branch workload. In investment and trading, AI models analyze markets and forecast trends to support portfolio decisions. Intelligent automation also speeds up transaction processing and reduces human error. Nevertheless, AI use in finance requires clear regulatory frameworks and strong risk governance to ensure fairness, transparency, and customer data protection.