Objectives:
The purpose of this article was to examine the impact of artificial intelligence on the effectiveness of anti-money laundering (AML) and counter-terrorist financing (CTF) efforts within the financial sector. Furthermore, the study aimed to analyze the development prospects of AI in the context of AML/CTF and to evaluate its influence on the efficacy of preventive measures; the research hypothesis posited that the AI ​​systems under development could enhance the detection of illicit transactions and terrorist activities.

Methods:
An analysis of the development prospects for AI in the context of AML/CTF. A research hypothesis was adopted regarding the potential for using AI to improve AML/CTF systems and enhance the effectiveness of preventive measures.

Results:
In summarizing the issue of using AI in AML/CFT, it is important to highlight the significant progress that this technology brings to the financial sector. The objective of this work was to examine the development prospects for AI within the context of AML/CFT. Furthermore, the publication aimed to identify new opportunities and challenges associated with implementing this technology in processes related to financial security. Addressing the research problem involved identifying areas where AI can effectively support financial institutions in combating financial crime.

Conclusions:
The implementation of AI in the context of AML/CFT requires an ongoing and constructive dialogue among policymakers, the financial sector, and technology companies, both at the national and international levels. This approach is essential, as the role of AI in criminal activity (ranging from cyberattacks to financial crimes) is highly likely to grow. Consequently, regulated entities and Financial Intelligence Units (FIUs) will soon need to employ more sophisticated AI tools and engage in efficient information sharing to counter emerging threats. Given these factors, a decision by a financial institution or an FIU to invest in AI-driven tools can yield long-term benefits, provided that such tools are deployed with the necessary rigor and consistency, and in alignment with new AI governance standards.