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Impacto da Inteligência Artificial na Otimização da Área Financeira
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Abstract(s)
O uso da Inteligência Artificial (IA) tem vindo a revolucionar a maneira como certas empresas operam, o que permite desenvolver novos produtos e cada vez mais inovadores. Na área financeira, principalmente, a utilização da IA, permite a avaliação de riscos e oportunidades, aperfeiçoando as decisões de investimento, além de ter a capacidade de fornecer consultoria financeira personalizada através de assistentes virtuais. Este estudo analisa o impacto da IA na otimização da gestão financeira, através de uma abordagem quantitativa baseada num questionário estruturado. A amostra final foi composta por 186 respostas válidas, recolhidas maioritariamente junto de profissionais com interesse ou ligação à área financeira. A análise estatística foi desenvolvida no programa SPSS e incluiu regressão linear múltipla, testes de fiabilidade e validação dos pressupostos do modelo. Os resultados demonstraram que a utilização de diferentes técnicas de IA, bem como o grau de automatização dos processos financeiros, têm um impacto positivo e estatisticamente significativo na eficiência da gestão financeira. Estes resultados foram validados por meio de testes estatísticos robustos, confirmando a fiabilidade dos modelos estimados. As principais contribuições deste estudo consistem na sistematização de fatores que influenciam a eficácia da IA em contexto financeiro; a disponibilização de um modelo estatístico aplicável à avaliação do impacto da IA noutras realidades organizacionais e o fornecimento de dados concretos que podem auxiliar decisores empresariais na definição de estratégias tecnológicas mais informadas e sustentáveis.
The use of Artificial Intelligence (AI) has revolutionized the way certain companies operate, allowing them to develop new and increasingly innovative products. In the financial area in particular, the use of AI enables the assessment of risks and opportunities, improving investment decisions, as well as having the ability to provide personalized financial advice through virtual assistants. This study analyses the impact of AI on optimizing financial management, using a quantitative approach based on a structured questionnaire. The final sample consisted of 186 valid responses, collected mainly from professionals with an interest or connection to the financial area. The statistical analysis was carried out using the SPSS program and included multiple linear regression, reliability tests and validation of the model's assumptions. The results showed that the use of different AI techniques, as well as the degree of automation of financial processes, have a positive and statistically significant impact on the efficiency of financial management. These results were validated using robust statistical tests, confirming the reliability of the estimated models. The main contributions of this study are the systematization of factors that influence the effectiveness of AI in a financial context; the provision of a statistical model applicable to assessing the impact of AI in other organizational realities and the provision of concrete data that can help business decision-makers define more informed and sustainable technological strategies.
The use of Artificial Intelligence (AI) has revolutionized the way certain companies operate, allowing them to develop new and increasingly innovative products. In the financial area in particular, the use of AI enables the assessment of risks and opportunities, improving investment decisions, as well as having the ability to provide personalized financial advice through virtual assistants. This study analyses the impact of AI on optimizing financial management, using a quantitative approach based on a structured questionnaire. The final sample consisted of 186 valid responses, collected mainly from professionals with an interest or connection to the financial area. The statistical analysis was carried out using the SPSS program and included multiple linear regression, reliability tests and validation of the model's assumptions. The results showed that the use of different AI techniques, as well as the degree of automation of financial processes, have a positive and statistically significant impact on the efficiency of financial management. These results were validated using robust statistical tests, confirming the reliability of the estimated models. The main contributions of this study are the systematization of factors that influence the effectiveness of AI in a financial context; the provision of a statistical model applicable to assessing the impact of AI in other organizational realities and the provision of concrete data that can help business decision-makers define more informed and sustainable technological strategies.
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Área Financeira Gestão Inteligência Artificial Otimização