Digital Finance Is a Key of European and Global Integration

The current needs of the financial consumer are constantly changing in the context of the digital era, which is why we can appreciate that the future of financial instruments that satisfy these needs is given precisely by the digitalization of financial instruments through technologies, financial innovations and, finally, new models of business in the financial field. In our paper, we propose that, based on the analysis of existing empirical studies in international scientific databases, we highlight those innovative financial solutions based on artificial intelligence, which have contributed to the acceleration of the process regarding innovations in digital financial services, as well as to the development of digital infrastructure related to institutions financial, which from a strategic point of view offers accessibility, reliability, safety and comfort to the final consumer.