ABSTRACT Blockchain and artificial intelligence (AI) are transforming the financial industry by offering novel solutions to long‐standing challenges such as security risks, regulatory compliance, and operational inefficiencies. Despite significant progress, a systematic understanding of the intersection between blockchain and AI in financial risk mitigation is lacking. This study conducts a systematic literature review (SLR) to identify current applications, emerging trends, and security concerns at this intersection. Guided by four research questions, the review examines 134 peer‐reviewed publications sourced from IEEE Xplore, Springer, ScienceDirect, and Wiley databases. A PRISMA framework was used to ensure transparency in article selection. The analysis highlights key areas such as fraud detection, smart contract automation, decentralized identity verification, and regulatory challenges. Our findings contribute to the development of secure, AI‐enhanced blockchain solutions tailored to the financial sector. This review offers practical implications for policymakers, researchers, and financial institutions aiming to foster trust, resilience, and innovation in digital finance. The review's findings underline that the convergence of AI and blockchain offers both opportunities and emerging risks for financial institutions. Unlike previous reviews that examined these technologies separately, this study provides a consolidated understanding of how AI enhances blockchain's resilience and regulatory compliance in digital finance. The results also identify open challenges that should guide future empirical research, including model explainability, governance automation, and cross‐jurisdictional regulation.

Abstract Cloud computing is characterized as a shared computing and communication infrastructure. It encourages the efficient and effective developmental processes that are carried out in various organizations. Cloud computing offers both possibilities and solutions of problems for outsourcing and management of software developmental operations across distinct geography. Cloud computing is adopted by organizations and application developers for developing quality software. The cloud has the significant impact on utilizing the artificial complexity required in developing and designing quality software. Software developmental organization prefers cloud computing for outsourcing tasks because of its available and scalable nature. Cloud computing is the ideal choice utilized for development modern software as they have provided a completely new way of developing real‐time cost‐effective, efficient, and quality software. Tenants (providers, developers, and consumers) are provided with platforms, software services, and infrastructure based on pay per use phenomenon. Cloud‐based software services are becoming increasingly popular, as observed by their widespread use. Cloud computing approach has drawn the interest of researchers and business because of its ability to provide a flexible and resourceful platform for development and deployment. To determine a cohesive understanding of the analyzed problems and solutions to improve the quality of software, the existing literature resources on cloud‐based software development should be analyzed and synthesized systematically. Keyword strings were formulated for analyzing relevant research articles from journals, book chapters, and conference papers. The research articles published in (2011–2021) various scientific databases were extracted and analyzed for retrieval of relevant research articles. A total of 97 research publications are examined in this SLR and are evaluated to be appropriate studies in explaining and discussing the proposed topic. The major emphasis of the presented systematic literature review (SLR) is to identify the participating entities of cloud‐based software development, challenges associated with adopting cloud for software developmental processes, and its significance to software industries and developers. This SLR will assist organizations, designers, and developers to develop and deploy user‐friendly, efficient, effective, and real time software applications.