Artificial Intelligence (AI) is making significant strides in the world of financial services. Employing the extreme gradient boosting decision trees technique, the XGB Model has demonstrated its prowess in managing complex and non-linear relationships within individual features. This model has consistently outperformed the benchmark, surpassing it by an average of 0.5% each month and accumulating a substantial 10% gain over a two-year span. These results underline the model’s robust and sustainable performance, highlighting the potential for AI to bring positive impacts when used with diligence and care.”