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@article{193832,
        author = {Dr. Santosh Marwadikumbhar and Mr. Ziyan Zaffar Parimoo and Ms. Kamakshi Dhar},
        title = {Artificial Intelligence and the Next-Generation Financial Workforce: Automation, Skill Transformation, and Organisational Readiness},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {8017-8022},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193832},
        abstract = {The rapid advancement of Artificial Intelligence (AI) has fundamentally transformed the structure, processes, and skill requirements of the financial services industry. AI-driven systems are increasingly deployed across financial operations such as automated customer service, fraud detection, risk management, and data analytics, raising critical questions regarding job displacement, skill transformation, and workforce readiness. This study empirically examines the perceptions of finance professionals regarding the adoption of AI, its impact on job roles, emerging skill requirements, and organisational preparedness for an AI-driven future. Using primary data collected through a structured survey of 59 finance professionals, the study applies descriptive statistical analysis to identify key trends in AI usage, trust, security concerns, and future expectations. The findings reveal that while AI is expected to automate routine and repetitive tasks such as data entry and bookkeeping, it is more likely to augment rather than replace roles requiring strategic judgment, emotional intelligence, and complex decision making. The study further highlights the growing importance of data interpretation, cybersecurity awareness, and AI system management as essential competencies for the next-generation financial workforce. By integrating empirical evidence with existing literature, this research contributes to the discourse on human AI complementarity in finance and underscores the critical role of AI literacy in ensuring sustainable workforce transformation. The study offers valuable insights for policymakers, educators, and financial organisations seeking to align talent development strategies with the evolving demands of an AI-enabled financial ecosystem.},
        keywords = {Artificial Intelligence; Financial Workforce; Automation; Skill Transformation; AI Literacy; Financial Services},
        month = {March},
        }