This study is about how artificial intelligence brings changes and innovations in financial instruments during its development process. While artificial intelligence is evaluated within a technological development, on the other hand, its sphere of influence completely affects our social and economic lives. As a result of the rapid spread of artificial intelligence and the diversification of its usage area, economic activities have to keep up with this change. The use of artificial intelligence, especially in the financial sector, has increased rapidly in recent years. While meeting the requirements of this age, we can describe the usage area of ​​artificial intelligence around purposes such as facilitating the effective and efficient use of resources, minimizing or eliminating suspicious transactions, offering new products for user service and satisfaction, and strengthening the functional qualities of all other tools used in the financial sector. The study provides a description of artificial intelligence usage areas and examples through a systematic literature review. At the same time, working with a historical projection of artificial intelligence also explains what innovations artificial intelligence will bring in the field of finance.