In order to improve financial strategy decision-making, this research examines how Artificial Intelligence (AI) has the potential to revolutionize Small and Medium Businesses (SMEs) in Tripoli, North Lebanon, by concentrating primarily on risk management and process automation. SMEs are an essential part of the Lebanese economy, and their competitiveness and long-term growth depend on their capacity to adjust to changing technology environments. The research employs a quantitative methodology and applies SPSS25 for data analysis. The study findings revealed that optimizing financial decisions requires effective risk management; thus, businesses should give digitalization and AI integration into analytical and predictive modeling tools top priority. Decision-making may be improved by combining automation, artificial intelligence, and sophisticated risk management techniques. This study represents one of the pioneering efforts to explore the integration of Artificial Intelligence (AI) in enhancing financial strategic decision-making among Small and Medium Enterprises (SMEs) in Lebanon.