AI Agents in the Financial Market: Global Trends and Prospects for Implementation in Ukraine

Abstract

The article examines current trends in the development and implementation of agentic artificial intelligence (Agentic AI) in the financial market, as well as analyzes the prospects for adapting this technology within Ukraine’s financial system. The study demonstrates that the development of digital financial technologies is gradually shifting from traditional automation algorithms and generative models to autonomous systems capable of independently analyzing data, planning sequences of actions, making decisions, and executing complex financial operations without direct human intervention. The paper identifies key functional capabilities of AI agents in the financial domain, particularly in areas such as client financial management, payment process automation, risk management, credit scoring, algorithmic trading, and investment advisory services. Approaches of foreign researchers to the interpretation of agentic system architectures are summarized, and contemporary frameworks for their construction in financial services are reviewed. Based on international reports and academic studies, the paper systematizes practical cases of agentic artificial intelligence implementation in leading financial institutions across the United States, the European Union, and Asia. The analysis indicates that the integration of AI agents into banking and fintech ecosystems contributes to enhanced operational efficiency, reduced transaction costs, greater personalization of financial services, and the formation of new client interaction models. At the same time, major technological, infrastructural, and regulatory barriers to large-scale adoption of agentic artificial intelligence in the financial sector are outlined. The paper assesses the current level of development of this technology in Ukraine, revealing that its application remains predominantly at the stage of experimental or pilot solutions, necessitating the establishment of an appropriate institutional, technological, and regulatory framework. The study concludes that agentic artificial intelligence has the potential to become one of the key drivers of transformation in the financial market, promoting greater efficiency of financial services, the development of the fintech ecosystem, and the integration of the financial sector into the global digital environment.