TRANSFORMATION OF THE DIGITAL ECONOMY UNDER THE INFLUENCE OF ARTIFICIAL INTELLIGENCE TOOLS
Abstract
The study examines the impact of artificial intelligence (AI) on the transformation of the digital economy and substantiates the feasibility of its use for automating business processes in key industries. An analysis of modern AI tools applied in finance, marketing, human resource management, logistics, jurisprudence, and public administration has been conducted. The prospects of using fine-tuning and LoRA training methods for adapting language models to specialized tasks, such as automated generation of legal documents, market trend analysis, and marketing campaign personalization, have been explored. The effectiveness of generative models (DALL-E, Midjourney, Stable Diffusion) in creating advertising content has been analyzed, demonstrating their ability to significantly reduce costs for visual material development and improve content alignment with consumer expectations. For each sector of the digital economy, the most suitable AI models have been identified. In the financial sector, GPT-4, BERT, and OpenAI Codex are optimal for automating document processing and financial report analysis, while Fraud Detection AI and RoBERTa are effective for detecting fraudulent schemes. In the legal sector, LegalBERT, CaseHOLD, and ContractNLP facilitate contract analysis, risk assessment, and legal decision forecasting. In human resource management, BERT, GPT-4, and Claude contribute to recruitment automation, resume analysis, and adaptive training program development. In marketing strategies, GPT-4, Claude, and Gemini AI are highly effective for generating textual content, while CLIP and GPT-4 Vision enhance visual content analysis and creation. In public administration, ChatGPT, DialogPT, and Gemini AI streamline citizen service automation, while RoBERTa and BERT enable social sentiment monitoring. The study also explores the application of AI in public administration for automating electronic document management, monitoring public sentiment, and implementing AI-powered chatbots for citizen interactions. The potential of AI technologies for improving governmental efficiency and reducing bureaucratic barriers has been identified. Based on the findings, recommendations have been formulated for integrating AI into business processes and public administration. Key challenges related to AI implementation have been identified, including the need for ethical regulation, minimizing the risk of AI-generated "hallucinations," and increasing trust in new technologies. The findings can be used for developing digital transformation strategies, optimizing decision-making processes, and enhancing the efficiency of economic activities through the adoption of artificial intelligence.
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