Abstract. Economic development is the process by which a nation improves the economic, political and social well-being of its people. The research paper starts from the reality that financial markets play an important role in each economy. The research find out that, the inequalities in the levels of development of the regions have arisen from two main reasons: economic and social conditions; and, the level of implementation of artificial intelligence and digital finance – FinTech. Nowadays, investments and financial markets are moving to a next stage: artificial intelligence and secured financial services and transfers using digital financial system, Blockchain. The research paper comes to present how artificial intelligence combine financial information with tech capabilities, accelerate digital transformation of finance to create a more safety business and economic environment, reducing human error.

Keywords: financial markets; financial intermediaries; financial instruments; artificial intelligence; digital finance; Blockchain.