This list includes the top downloaded papers on AI in Finance posted in Q3 2025. It also includes the Top 5 Organizations that downloaded the research during this period.
1. Artificially Intelligent, Naturally Inefficient? Service Quality Investments and the Efficiency Trap in Australian Banking by Siddharth Jain (Churchill Institute of Higher Education), Sagar Lohani (Churchill Institute of Higher Education), & Thomas Denigan (Churchill Institute of Higher Education)
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2. Understanding The Virtue of Complexity by Bryan T. Kelly (Yale School of Management) & Semyon Malamud (Ecole Polytechnique Federale de Lausanne)
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3. The Labor Market Effects of Generative AI: A Difference-in-Differences Analysis of AI Exposure by Andrew Johnston (University of Texas at Austin) & Christos Makridis (Stanford University)
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4. GraFiN-Gen: Graph-based Ensemble Generative Modelling for Multi-asset Forecasting by Milena Vuletić (University of Oxford) & Mihai Cucuringu (University of California, Los Angeles)
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5. The Market’s Mirror: Revealing Investor Disagreement with LLMs by Vineet Bhagwat (George Washington University), J. Anthony Cookson (University of Colorado at Boulder), Chukwuma Dim (George Washington University), & Marina Niessner (Indiana University)
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6. Cross-Sectional Spillovers of Earnings Surprises and Asset Price Anomalies by Cong Zhang (University of Chicago) & Zhenzhi He (Northwestern University)
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7. Artificial Intelligence in the Boardroom by Daniel Ferreira (London School of Economics) & Jin Li (The University of Hong Kong)
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8. When LLMs Go Abroad: Foreign Bias in AI Financial Predictions by Sean Cao (University of Maryland), Charles C. Y. Wang (Harvard University), & Yi Xiang (Hong Kong Polytechnic University)
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9. AI Behavioral Science by Matthew O. Jackson (Stanford University), Qiaozhu Mei (University of Michigan at Ann Arbor), Stephanie Wang (University of Pittsburgh), Yutong Xie (University of Michigan at Ann Arbor), Walter Yuan (MobLab), Seth G. Benzell (Chapman University), Erik Brynjolfsson (National Bureau of Economic Research), Colin Camerer (California Institute of Technology), James A. Evans (University of Chicago), Brian Jabarian (University of Chicago), Jon Kleinberg (Cornell University), Juanjuan Meng (Peking University), Sendhil Mullainathan (University of Chicago), Asuman E. Ozdaglar (Massachusetts Institute of Technology), Thomas Pfeiffer (Massey University), Moshe Tennenholtz, Robb Willer (Stanford University), Diyi Yang (Stanford University), & Teng Ye (University of Minnesota – Twin Cities)
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10. Crypto Regulation in the Time of Trump by Lawrence J. Trautman (Prairie View A&M University)
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