{"id":5594,"date":"2025-09-30T11:51:25","date_gmt":"2025-09-30T09:51:25","guid":{"rendered":"https:\/\/congresodigitalizacionynegocio.es\/?p=5594"},"modified":"2026-01-13T14:09:01","modified_gmt":"2026-01-13T13:09:01","slug":"inteligencia-artificial-digitalizacion-financiera-y-nuevos-modelos-de-inclusion-e-inversion-en-la-era-digital","status":"publish","type":"post","link":"https:\/\/congresodigitalizacionynegocio.es\/en\/inteligencia-artificial-digitalizacion-financiera-y-nuevos-modelos-de-inclusion-e-inversion-en-la-era-digital\/","title":{"rendered":"Artificial Intelligence, financial digitisation and new models of inclusion and investment in the digital age"},"content":{"rendered":"
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The accelerated technological transformation of the last few years is redefining the foundations of the global financial system<\/strong>. Digitisation, now enhanced by the increasing impact of the Artificial Intelligence (AI)<\/strong>is generating a paradigm shift that affects banking intermediation, means of payment, business models and forms of investment. The application of AI in predictive analytics, risk management, automation of financial operations and personalisation of services opens up new possibilities for businesses, consumers and regulators.<\/p>

In parallel, the consolidation of new digital payment methods<\/strong> -from local solutions such as Bizum<\/em> to global platforms such as Apple Pay, Google Pay or Samsung Pay<\/em>-The rise of the fintech<\/strong> and the neobanks<\/strong>are shaping an increasingly competitive and diversified environment. In addition, the emergence of the decentralised finance (DeFi)<\/strong>the cryptocurrencies<\/strong> and the Central Bank Digital Currencies (CBDC)<\/strong> poses unprecedented opportunities, but also regulatory, ethical and inclusion challenges.<\/p>

This symposium seeks to be a space for academic and interdisciplinary analysis in which to address the challenges, risks and opportunities<\/strong> of the digitisation of the financial system and the integration of artificial intelligence into business processes, financial operations and strategic decision-making.<\/p>

Proposed lines of research<\/strong>
Papers are invited on the following topics, among others:<\/p>

  • Applications of the Artificial Intelligence<\/strong> in risk prediction, fraud detection, credit scoring and portfolio management.<\/li>
  • The impact of digitisation and AI on the corporate financial operations<\/strong> (mergers, acquisitions, financing, restructuring).<\/li>
  • New forms of digital payment<\/strong> and its influence on business and consumer behaviour.<\/li>
  • Business models of fintech<\/strong> y neobanks<\/strong>and its effects on banking intermediation and competition.<\/li>
  • The financial inclusion and exclusion<\/strong> in a context of accelerated digitisation.<\/li>
  • Challenges and opportunities for the traditional banking system<\/strong> in the face of digital disruption and intelligent automation.<\/li>
  • Strategies for investment in new financial assets<\/strong>including cryptoassets, tokens, NFTs and blockchain-based derivatives.<\/li>
  • The role of the CBDC<\/strong> and the DeFi<\/strong> in shaping a new global monetary and financial order.<\/li>
  • Ethical, legal and regulatory issues arising from digitisation and the use of AI in finance.<\/li>
  • The profile and behaviour of the digital users<\/strong>trust, technology adoption and personal data management.<\/li><\/ul>


    This symposium is intended to be an open forum for academic and professional debate, in which both academic and professional issues will be analysed. practical implications for business<\/strong> as the social and regulatory dimensions<\/strong> of digitalisation and AI in the financial sector.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    Dr. Sergio Luis N\u00e1\u00f1ez Alonso<\/strong><\/p>

    Coordinator \u00c1vila Business School-Catholic University of \u00c1vila<\/div>
    Professor of Economics and Business<\/div>
    DEKIS Research Group<\/div>
    His research focuses on the area of digital currencies, financial system\/financial inclusion and tax incentives.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    VIDEO PRESENTATION<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/div>\n