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- Influência da IA nas empresas do setor financeiro em PortugalPublication . Lacerda, João Carlos Sobral da Silva Bandeira de; Ferreira, António José Mendes; Pereira, Paulo Jorge de AlmeidaThis dissertation examines the influence of Artificial Intelligence (AI) on companies in Portugal’s financial sector. Based on a survey of 57 firms, it assesses the adoption of different technologies (RPA, computer vision, GenAI, and fraud/AML detection) and their effects on efficiency, costs, risk, customer experience, and revenues. Five hypotheses were tested using several statistical procedures. Results show that perceived IT/data maturity, by itself, does not explain adoption; what best predicts adoption are concrete data-readiness actions, so H1 is partially supported. AI is used for fraud/AML detection and GenAI, whereas computer vision shows lower uptake; thus, H2 is partially supported. AI adoption is positively and significantly associated with risk management and revenues, but not within this sample, with efficiency, costs, or customer experience; hence, H3 is partially supported. Costs, skills shortages, and data/regulatory issues reduce adoption, confirming H4. Firm size does not affect AI adoption or its impact on outcomes (H5 not supported). Overall, AI shows positive impacts in Portugal’s financial sector.