The Role of Financial Technology in the Transformation of Financial Services: Analysis of Artificial Intelligence (AI) and Efficiency of Operating Expenses in Banking Companies. Journal of Financial and Management Sciences, [S. l.], v. 2, n. 1, p. 1–8, 2026. DOI: 10.70970/t8drta24. Disponível em: https://journals.uok.ac.rw/jfms/article/view/238. Acesso em: 17 apr. 2026.