Artificial intelligence in finance: for or against human

Progress in the creation of artificial intelligence (hereinafter - AI) is reflected both in the evolution of its definitions and in the increasing interest in its use by financial market participants around the world and regulators. From the perspective of users of financial services, one can identify certain opportunities and challenges accompanying the introduction of AI in this sphere. Despite warnings about such risks, including from representatives of the business community, large companies promote as "best practices"in the use of data recommendations that are very controversial from the point of view of the consumer. The "human"factor is of particular importance, as is a more thorough study of human behavior and decision-making that cannot be directly rationalized, including in financial consumer services, for which AI is becoming an increasingly widespread technology.