UX Approaches to the Integration of Artificial Intelligence into User Scenarios of Digital Financial Platforms

Abstract

The article examines the integration of artificial intelligence tools into user scenarios of digital financial platforms from the perspective of user experience approaches. It investigates how the choice of forms of visualizing predictive data, the degree of autonomy of intelligent agents and the mechanisms for explaining results affect the perception of services, the level of trust and users’ willingness to delegate routine operations to algorithms. It analyzes the balance between automation and the preservation of user control, as well as the role of adaptive personalization based on machine learning in shaping sustainable models of interaction with financial products.