{"id":105227,"date":"2026-11-03T09:00:47","date_gmt":"2026-11-03T08:00:47","guid":{"rendered":"https:\/\/www.viafirma.com\/?p=105227"},"modified":"2026-11-03T11:01:06","modified_gmt":"2026-11-03T10:01:06","slug":"tendances-in-ai-finances","status":"publish","type":"post","link":"https:\/\/www.viafirma.com\/en\/tendances-in-ai-finances\/","title":{"rendered":"Trends in AI finance: From new markets to electronic signatures"},"content":{"rendered":"<p>By 2026, Artificial Intelligence in the financial sector will no longer be a testing ground but will have become an ally in banking operations. The convergence of Artificial Intelligence, big data processing and new digital markets has redefined the relationship between customers and financial institutions. However, it is worth asking: where does legal certainty and trust fit into an environment where transactions take place at high speed and cyberattacks are becoming increasingly sophisticated and difficult to anticipate? In this article, we analyse the major trends in AI finance and how advanced electronic signatures can shape security and compliance in the digital age.<\/p>\n<h2>3 key trends in AI finance<\/h2>\n<p>Although there are several trends emerging in AI finance, we can highlight three main areas:<\/p>\n<ul>\n<li><strong>Adoption of AI agents:<\/strong> You may have noticed that when you visit virtually any website, there is usually an AI agent in the bottom corner ready to answer (in principle) any queries you may have. However, beyond purely advisory models, some autonomous AI agents have the capacity to make decisions within the limits set by the company: they are capable of executing trading orders or managing brokerage transactions.<\/li>\n<li><strong>Generative AI and predictive analytics:<\/strong> Generative AI has evolved to enable the interpretation and large-scale synthesis of unstructured data (regulatory reports, macroeconomic trends, global news). When combined with predictive analytics, it enables financial institutions to carry out ultra-granular credit risk assessments, simulate financial stress scenarios and detect patterns of fraud or money laundering before they occur.<\/li>\n<li><strong>Hyper-personalisation of services and customers:<\/strong> Thanks to the intensive use of data, banks can offer the products that best suit each customer\u2019s needs.<\/li>\n<\/ul>\n<h2>The electronic signature as a trust anchor in the age of AI<\/h2>\n<p>Companies that fail to incorporate Artificial Intelligence into their processes and workflows may gradually lose ground in terms of competitiveness. However, with the recent wave of cyberattacks sweeping through the sector \u2013 which are becoming increasingly frequent, sophisticated and difficult to detect \u2013 there is one tool that guarantees legal authenticity in financial transactions: the <strong>advanced and qualified electronic signature<\/strong>.<\/p>\n<h3>Compliance with eIDAS and relevant international standards<\/h3>\n<p>Viafirma complies with the most stringent international standards in the field of digital trust and electronic signatures, strictly aligning itself with the <strong>European eIDAS Regulation<\/strong> (and its successor, eIDAS 2) to offer solutions with <strong>full international legal validity<\/strong>.<\/p>\n<h3>Traceability and algorithmic auditing<\/h3>\n<p>Every document signed using Viafirma\u2019s digital solutions generates a cryptographic fingerprint backed by <strong>qualified <a href=\"https:\/\/www.viafirma.com\/en\/time-stamp\/\">time stamps<\/a><\/strong>, ensuring that the document cannot be altered after signing.<\/p>\n<p>Furthermore, at the end of the process, an <a href=\"https:\/\/www.viafirma.com\/en\/what-is-an-evidentiary-document\/\">evidential document<\/a> is generated that includes all the information relating to the document\u2019s signing process:<\/p>\n<ul>\n<li><strong>General document details<\/strong><\/li>\n<li><strong>Information on the issuer and applicant<\/strong><\/li>\n<li><strong>Types of electronic signature used<\/strong><\/li>\n<li><strong>Electronic evidence added<\/strong><\/li>\n<\/ul>\n<h3>Identification and authentication mechanisms<\/h3>\n<p>Do you remember the surge in cyberattacks we mentioned earlier? Whilst it may not be possible to stop them entirely, it is possible to adopt measures that protect us against them and act as a sort of \u2018<strong>filter network\u2019<\/strong>.<\/p>\n<p>Viafirma offers various <strong><a href=\"https:\/\/www.viafirma.com\/en\/documentation\/how-is-the-identity-of-the-signer-authenticated\/\">mechanisms designed to identify<\/a> and authenticate <\/strong>the signatory on an application, depending on the type of signature chosen, ranging from OTP codes (SMS\/email) to identity verification.<\/p>\n<div>\n<h2>Challenges of AI in finance: algorithmic risk and data privacy<\/h2>\n<p>Although financial automation appears to promise greater efficiency and more accurate forecasts, all that glitters is not gold. AI could bring with it new regulatory and technical vulnerabilities:<\/p>\n<ul>\n<li><strong>Data sovereignty and privacy:<\/strong> Using artificial intelligence models requires strict compliance with regulations governing the processing of personal and financial data.<\/li>\n<li><strong>Algorithmic risk:<\/strong> Whilst AI streamlines processes and repetitive tasks, it is important to bear in mind that human supervision and review are regulatory requirements to prevent systematic bias.<\/li>\n<\/ul>\n<h2>Is your financial institution ready to operate in the age of AI without compromising legal certainty?<\/h2>\n<p>Do not let the fast pace of the market compromise your customers\u2019 trust or your financial institution\u2019s regulatory compliance. Viafirma, with over 25 years\u2019 proven experience in the electronic signature sector, enables you to automate contract and signature workflows, prevent fraud in real time and ensure every transaction is legally valid internationally.<\/p>\n<p><a href=\"https:\/\/www.viafirma.com\/en\/request-a-demo\/\">Request a personalised demo<\/a> of Viafirma and discover how to integrate digital trust into your financial processes.<\/p>\n<div class=\"vf_related_posts_wrapper\"><h3 class=\"vf_related_posts_title\">Related articles<\/h3><div class=\"vf_related_posts\"><div class=\"vc_gitem-post-data-source-post\"><a href=\"https:\/\/www.viafirma.com\/en\/digital-signatures-sepa-direct-debit-mandate\/\" class=\"vc_gitem-post-link\"><img src=\"https:\/\/www.viafirma.com\/wp-content\/uploads\/2026\/04\/140426_blog_SEPA-300x186.webp\" alt=\"SEPA Direct Debit Guide: How to optimise the collection cycle and minimise risks\" loading=\"lazy\" decoding=\"async\"><\/a><div class=\"vc_gitem-post-data-source-post_category\"><a href=\"https:\/\/www.viafirma.com\/en\/category\/blog-en\/financial-sector\/\">Financial sector<\/a><\/div><h4 class=\"vc_gitem-post-data-source-post_title\"><a href=\"https:\/\/www.viafirma.com\/en\/digital-signatures-sepa-direct-debit-mandate\/\">SEPA Direct Debit Guide: How to optimise the collection cycle and minimise risks<\/a><\/h4><\/div><div class=\"vc_gitem-post-data-source-post\"><a href=\"https:\/\/www.viafirma.com\/en\/personal-loans\/\" class=\"vc_gitem-post-link\"><img src=\"https:\/\/www.viafirma.com\/wp-content\/uploads\/2024\/11\/blog_prestamos-300x186.webp\" alt=\"Electronic signature for personal loans\" loading=\"lazy\" decoding=\"async\"><\/a><div class=\"vc_gitem-post-data-source-post_category\"><a href=\"https:\/\/www.viafirma.com\/en\/category\/blog-en\/financial-sector\/\">Financial sector<\/a><\/div><h4 class=\"vc_gitem-post-data-source-post_title\"><a href=\"https:\/\/www.viafirma.com\/en\/personal-loans\/\">Electronic signature for personal loans<\/a><\/h4><\/div><div class=\"vc_gitem-post-data-source-post\"><a href=\"https:\/\/www.viafirma.com\/en\/sustainability-in-financial-processes\/\" class=\"vc_gitem-post-link\"><img src=\"https:\/\/www.viafirma.com\/wp-content\/uploads\/2025\/11\/181125_blog_sostenibilidad-1-300x186.webp\" alt=\"Sustainability in financial processes\" loading=\"lazy\" decoding=\"async\"><\/a><div class=\"vc_gitem-post-data-source-post_category\"><a href=\"https:\/\/www.viafirma.com\/en\/category\/blog-en\/financial-sector\/\">Financial sector<\/a><\/div><h4 class=\"vc_gitem-post-data-source-post_title\"><a href=\"https:\/\/www.viafirma.com\/en\/sustainability-in-financial-processes\/\">Sustainability in financial processes<\/a><\/h4><\/div><\/div><\/div> <div class=\"custom-author-block\"><div class=\"custom-author-photo-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.viafirma.com\/wp-content\/uploads\/2025\/06\/Noelia_garcia-150x150.webp\" class=\"custom-author-photo\" alt=\"Noelia Garc\u00eda\"><\/div><div class=\"custom-author-meta\"><div class=\"custom-author-name\">Noelia Garc\u00eda<a href=\"https:\/\/www.linkedin.com\/in\/noelia-garcia-egea\/\" target=\"_blank\" rel=\"noopener\" class=\"linkedin-icon\" aria-label=\"Perfil de LinkedIn de Noelia Garc\u00eda\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"#0062be\"><path d=\"M19 0h-14c-2.761 0-5 2.239-5 5v14c0 2.761 2.239 5 5 5h14c2.762 0 5-2.239 5-5v-14c0-2.761-2.238-5-5-5zm-11 19h-3v-10h3v10zm-1.5-11.268c-.966 0-1.75-.784-1.75-1.75s.784-1.75 1.75-1.75 1.75.784 1.75 1.75-.784 1.75-1.75 1.75zm13.5 11.268h-3v-5.604c0-3.368-4-3.113-4 0v5.604h-3v-10h3v1.765c1.396-2.586 7-2.777 7 2.476v6.759z\"\/><\/svg><span class=\"screen-reader-text\">Perfil de LinkedIn de Noelia Garc\u00eda<\/span><\/a><\/div><hr class=\"custom-author-separator\"><p class=\"custom-author-bio\">Noelia is part of Viafirma&#039;s Marketing department, where she is in charge of the strategy and writing of the corporate blogs. She brings the reader the latest news about technology, digital identity and digital transformation in a clear, useful and updated way.\r\n<\/p><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By 2026, Artificial Intelligence in the financial sector will no longer be a testing ground but will have become an&#8230;<\/p>\n","protected":false},"author":20,"featured_media":105246,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[165],"class_list":["post-105227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-sector"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/posts\/105227","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/comments?post=105227"}],"version-history":[{"count":1,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/posts\/105227\/revisions"}],"predecessor-version":[{"id":105253,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/posts\/105227\/revisions\/105253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/media\/105246"}],"wp:attachment":[{"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/media?parent=105227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.viafirma.com\/en\/wp-json\/wp\/v2\/categories?post=105227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}