With the rapid development of modern information technology, the application of AI in intelligent financial systems has become increasingly widespread, profoundly transforming traditional financial management models. This paper aims to discuss the current applications, advantages, challenges, and future trends of AI in intelligent financial systems. Through the analysis of relevant theories and practical cases, it elaborates on the application of AI in financial data processing, financial analysis, risk warning, and process automation, highlighting its significant role in improving financial efficiency, enhancing decision-making accuracy, and reducing financial risks. At the same time, in views of challenges faced by AI applications, such as data security, talent shortages, and technical reliability, proposing corresponding countermeasures. Finally, the paper provides a future development of AI in intelligent financial systems, offering references for enterprises to make better use of AI technology to realize the intelligent transformation of financial management.