“…In recent years, the integration of AI and ML has significantly advanced the field of data analytics within financial services. (Joy et al, 2024;Nishat et al, 2024)These technologies enable financial institutions to perform predictive and prescriptive analytics, which go beyond traditional descriptive analytics by forecasting future trends and providing actionable recommendations. AI and ML algorithms can process vast amounts of data in real-time, uncovering patterns and insights that were previously unattainable.…”