Brody Stevens 02 06 The research looks into the role of AI in matching large datasets to make decisions reduce risks andimprove efficiency in these two sectors Large datasets allow early detection of diseases the development ofpersonalized treatments fraud avoidance and improved forecasting in finance because of AI There are challengesincluding low quality of data different systems not being able to share ethical aspects and rules By using secondarydata and carrying out thematic analysis the study identified that using advanced AI such as ensemble and federatedlearning can make predictive systems flexible secure and transparent Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026