Smart Finance Transformation in ChatGPT Perspective: Logic, Framework, and Application Scenarios

With the rapid development of artificial intelligence technology represented by ChatGPT, the demand for intelligent and digital transformation and upgrading of the finance industry is increasingly urgent. In response to this, this paper proposes intelligent financial change technology based on big data processing technology and financial risk control technology respectively. Provide valuable features for the clustering algorithm through feature engineering extraction, and use the clustering algorithm to organize the intrinsic structure of financial data, data visualization of complex clustering results, and complete the processing of financial big data. Establish the fuzzy control function of the variable model, combine the least squares planning model and fitting algorithm for optimization of the financial risk control algorithm. Take the financial data of Company A as the research sample to carry out the intelligent financial change simulation experiment. In the simulation results, the managers and costs of Company A in 2024 have decreased, while the growth rate of total assets is as high as 25.82%.The simulation results of the comprehensive risk evaluation value of financial performance in 2024 is 87.4375. The overall financial risk rating is 16.05, which is considered moderately low risk.