--- title: "Artificial Intelligence, Digital Transformation, and Sustainable Economic Growth: A Multidisciplinary Analysis of Business, Commerce, and Financial Systems · AI Fault Line" url: https://aifaultline.com/research/p/doi-10-5281-zenodo-20443060/ description: "AI Fault Line is a neutral, evidence-cited field guide to why experts looking at the same developments disagree about AI's effect on productivity, jobs, inequality, regulation and the pace of change." --- [Research](https://aifaultline.com/research/) # Artificial Intelligence, Digital Transformation, and Sustainable Economic Growth: A Multidisciplinary Analysis of Business, Commerce, and Financial Systems Dr. Rajesh Manikraoji Naik · Zenodo (CERN European Organization for Nuclear Research) · 29 May 2026 [Read original source](https://doi.org/10.5281/zenodo.20443060) Open access Where this sits in the debate - [Will AI actually boost productivity and growth?](https://aifaultline.com/debate/productivity/) · its finding supports the claim ([why studies differ](https://aifaultline.com/debate/productivity/#why)) Direction of the finding as read from the abstract by an AI model ([AI-written](https://aifaultline.com/about/)). ## Key takeaway [AI-written](https://aifaultline.com/about/) A descriptive overview of how AI and digital transformation affect business, commerce and financial systems. It argues that these technologies improve efficiency, financial inclusion and innovation and contribute to sustainable economic growth. ## Abstract Artificial Intelligence (AI) and digital transformation are rapidly changing the global economic environment and influencing the way businesses, commercial activities, and financial systems operate in modern society. In recent years, organisations across the world have increasingly adopted advanced digital technologies to improve efficiency, productivity, communication, customer service, and strategic decision-making. AI-based systems, automation tools, digital banking platforms, cloud computing, and online business models have transformed traditional business operations into faster, smarter, and more connected systems. At the same time, sustainable economic growth has become one of the most important goals for both developing and developed countries. Technology is now playing a major role in creating employment opportunities, improving financial inclusion, encouraging innovation, supporting entrepreneurship, and strengthening economic development. This research paper examines the impact of Artificial Intelligence and digital transformation on business, commerce, and financial systems while also analysing their contribution toward sustainable economic growth in the modern economy. ## About this publication **Preprint.** A preprint — posted publicly before or without journal peer review; findings may still be revised. Published 2026 (5 months ago) Citations 0 (OpenAlex) 0 citations recorded by OpenAlex — too few 2026 papers in this collection for a fair comparison. [Chart: published 2026] ## More on this topic Related by theme, not necessarily by method or conclusion. - [Navigating the Jagged Technological Frontier: Field Experimental Evidence of the Effects of AI on Knowledge Worker Productivity and Quality](https://aifaultline.com/research/p/doi-10-2139-ssrn-4573321/) SSRN · 2023 - [Generative AI at Work](https://aifaultline.com/research/p/doi-10-1093-qje-qjae044/) The Quarterly Journal of Economics · 2025 - [The Impact of AI on Developer Productivity: Evidence from GitHub Copilot](https://aifaultline.com/research/p/doi-10-48550-arxiv-2302-06590/) arXiv · 2023 - [The Productivity J-Curve: How Intangibles Complement General Purpose Technologies](https://aifaultline.com/research/p/doi-10-1257-mac-20180386/) American Economic Journal Macroeconomics · 2020 Overview assembled automatically from collected metadata. [How this site is built](https://aifaultline.com/about/).