REFLECTIONS ON ECONOMIC CRIME IN THE DIGITAL AGE: TRENDS, CHALLENGES AND THE IMPACT OF ARTIFICIAL INTELLIGENCE
REFLECTIONS ON ECONOMIC CRIME IN THE DIGITAL AGE: TRENDS, CHALLENGES AND THE IMPACT OF ARTIFICIAL INTELLIGENCE

Summary/Abstract: Economic crime is undergoing a profound structural transformation, accelerated by both digitalization and the emergence of modern artificial intelligence (AI) systems. While for criminals AI represents a tool through which they can automate social engineering, create false identities through deepfakes and multiply financial fraud, for financial institutions it constitutes a means of defense, by integrating advanced machine learning techniques, graph analysis and anomaly detection into anti-money laundering (AML) mechanisms. However, the application of these solutions raises significant challenges related to the explainability of algorithms, data quality and legal compliance. This paper aims to map the main trends, risks and controversies and to propose a conceptual framework for understanding the impact of AI on economic crime.

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