AI-Quantum Computing Synergy in Finance: A New Paradigm for Risk Management and Portfolio Optimization

The convergence of Artificial Intelligence (AI) and Quantum Computing (QC) represents a transformative shift in the financial industry, enabling new paradigms for solving high-dimensional, stochastic, and combinatorial problems that are otherwise intractable by classical methods. This paper introduces a modular and scalable hybrid framework that synergizes the predictive capabilities of AI with the optimization power of QC. The proposed model is applied to critical financial functions, including portfolio optimization, risk estimation, fraud detection, and credit scoring. By leveraging quantum algorithms like Quantum Approximate Optimization Algorithm (QAOA) and AI tools such as LSTMs, GANs, and Transformers, the system achieves improved forecasting accuracy, faster convergence, and real-time adaptability in volatile financial environments. Our approach demonstrates that quantum-AI synergy is not only feasible with current NISQ devices, but it also offers tangible advantages over purely classical or quantum methods in financial decision-making.