financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2026-30-1-103-119finance-4177Research ArticleМЕЖДУНАРОДНЫЕ ФИНАНСЫINTERNATIONAL FINANCEВнедрение искусственного интеллекта: публичная финансовая платформа ИИ БРИКСArtificial Inteligence for Inclusion: A Public BRICS Financial AI Platformhttps://orcid.org/0000-0003-2731-3560ЧеттиК.ChettyaK.

Криш Четти – PhD компьютерных наук, старший научный руководитель

Претория

Krish Chetty – PhD in Computing Sciences, Senior Research Manager

Pretoria

kchetty@hsrc.ac.zahttps://orcid.org/0000-0002-5104-0083ГопалН.GopalN.

Нирмала Гопал – PhD, профессор криминологии,

Квазулу-Натал

Nirmala Gopal – PhD, Prof. in Criminology

Kwazulu Natal

Gopal@ukzn.ac.zahttps://orcid.org/0009-0004-2201-4734ДжозиД.JosieJ.

Джая Джози – PhD, профессор, адъюнкт-профессор 

Кейптаун, Западный Кейп

Jaya Josie – PhD, Prof., Adjunct Professor

Cape Town, Western Cape

jaya.josie@gmail.comhttps://orcid.org/0009-0008-1235-1816ВэньВ.WenW.

Ву Вэнь – PhD, профессор, исполнительный директор Международного исследовательского центра в области финтех-безопасности

Хайнинг, провинция Чжэцзян

Wu Wen – PhD, Prof., Executive Director of the International Research Center in Fintech Security

Haining, Zhejiang Province

wuwen@intl.zju.edu.cnhttps://orcid.org/0000-0001-8684-1684ЯрыгинаИ.YaryginaI.

Ирина Ярыгина – доктор экономических наук, профессор, заведующая кафедрой экономики и банковского дела

Москва

Irina Yarygina – Dr. Sci. (Econ.), Prof., Head of Economics and Banking Business Department

Moscow

jiz4@yandex.ruhttps://orcid.org/0000-0003-1289-4761ЮдинаM.YudinaM.

Мария Юдина – кандидат социологических наук, старший научный сотрудник Международной лаборатории цифровой трансформации в государственном управлении

Москва

Maria Yudina – Cand. Sci. (Soc.), Senior Research Fellow at the International Laboratory for Digital Transformation in Public Administration

Moscow

m.yudina@hse.ruСовет по исследованиям в области гуманитарных наукЮжно-Африканская РеспубликаHuman Sciences Research CouncilSouth AfricaУниверситет Квазулу-НаталЮжно-Африканская РеспубликаUniversity of Kwazulu-NatalSouth AfricaУниверситет Западного КейпаЮжно-Африканская РеспубликаUniversity of the Western CapeSouth AfricaМеждународная бизнес-школа Чжэцзянского университетаКитайInternational Business School of Zhejiang UniversityChinaMГИМО МИД РоссииРоссияMGIMO University of the Ministry of Foreign Affairs of RussiaRussian FederationНИУ ВШЭРоссияHigher School of EconomicsRussian Federation202622022026301103119Copyright © Четти К., Гопал Н., Джози Д., Вэнь В., Ярыгина И., Юдина M., 20262026Четти К., Гопал Н., Джози Д., Вэнь В., Ярыгина И., Юдина M.Chettya K., Gopal N., Josie J., Wen W., Yarygina I., Yudina M.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://financetp.fa.ru/jour/article/view/4177

В статье представлен результат всестороннего исследования потенциала стран БРИКС в области применения искусственного интеллекта (ИИ) для создания общей финансовой платформы. Предметом исследования является искусственный интеллект как фактор расширения сотрудничества стран БРИКС в финансовой сфере. Основываясь на методологической комбинации структурированных подходов, включающих, в частности, элементы метода PRISMA, определена цель исследования, направленная на разработку мер, стимулирующих внедрение ИИ в формирующуюся межгосударственную финановую платформу БРИКС. Задачей исследовательской группы является раскрытие существующего странового неравенства использования искусственного интеллекта в БРИКС. Сделан вывод о необходимости разработки и внедрения совместной общественной платформы ИИ в целях расширения доступа потребителей к общей и специализированной информации, а также обеспечения равенства использвания данных во всех странах-членах. Отмечено, что платформа искусственного интеллекта должна быть организована таким образом, чтобы обеспечить соблюдение принципов суверенитета данных. В целях решения поставленных задач предложены механизмы и международные стратегии внедрения искусственного интеллекта в публичную финансовую платформу БРИКС. Проект такого уровня требует не только финансирования, но и преданных своему делу экпертов, а также применения инструментов программного обеспечения с открытым кодом доступа. Эти вопросы представляют значительный интерес для дальнейших исследований.

The paper is a result of a comprehensive and systematic approach to reviewing the growing opportunities for BRICS countries in introducing artificial intelligence into a mutual financial platform. The subject of the study is the AI as a factor of BRICS cooperation and its growth in finance. The purpose of the study is to identify measures that stimulate the introduction of AI into a shared public financial infrastructure platform by implementing the methodological combination of structured and reproducible guidelines, incorporating elements of the PRISMA method in particular. The task of the research team is to search for scientific answers to the urgent questions of current artificial intelligence inequality between nations and to come to the conclusion that BRICS nations should develop and implement a shared public AI platform to enhance accessibility to general and specialized information as well as equity for marginalized communities in all member countries. It is pointed out that such AI platform have to be organized in a way that enshrines principles of data sovereignty. Mechanisms and international AI strategies for meeting the challenges are introduced. The developed proposal is unique. Other initiatives have not yet received adequate justification. The project of such a scale demands not only funding, but also dedicated professionals as well as open-source software development instruments. These issues represent promising areas for further research.

БРИКСискусственный интеллектплатформаразвивающиеся страныфинансыстратегияисточники данныхцифровая инфраструктураусиление применением данныхBRICSartificial intelligenceplatformdeveloping countriesfinancestrategydata sourcesdigital infrastructuredata empowernmentМы выражаем нашу искреннюю благодарность и признательность Манджиту Крипалани (Gateway House, Мумбаи, Индия) и Санджаю Анандараму (iSPIRT, Индия) за участие и поддержку этого исследования. Санджай Анандарам проанализировал предлагаемую публичную архитектуру, используя свой опыт в качестве эксперта по программному обеспечению с открытым исходным кодом для India Stack.We would like to express our sincere gratitude and appreciation to Manjeet Kripalani (Gateway House, Mumbai Indiа) and Sanjay Anandaram (iSpirt, India) for participation and support of this study. Sanjay Anandaram reviewed the proposed public architecture, leveraging his expertise as an open-source software ambassador for the India Stack.ReferencesMiroshnichenko O. 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The authors declare that there are no conflicts of interest present.