Integrating Blockchain and AI: Advancing Financial Markets Through Cryptocurrency, Emotional Intelligence, and Behavioral Economics

Abstract

The primary aim is to systematically review scholarly literature to understand the technological, psychological, ethical, and regulatory dynamics of integrating blockchain and AI in U.S. financial markets. A systematic review methodology was employed, analyzing 45 peer-reviewed articles across disciplines. The data were thematically synthesized using qualitative coding based on research methods, theories, and findings. The integration of blockchain and AI enhances financial transparency, operational efficiency, and autonomous decision-making. However, behavioral and emotional factors such as emotional intelligence and risk perception strongly influence adoption. Moreover, ethical concerns, regulatory fragmentation, and lack of transparency in AI algorithms pose barriers to public trust and systemic resilience. While blockchain-AI integration shows transformative potential, its success depends on addressing ethical and regulatory gaps and aligning technologies with human behavior and cognition. Future research and policy should prioritize ethical frameworks, explainable AI, behavioral modeling, global regulatory coherence, and digital literacy initiatives..