Abstract:

Artificial Intelligence (AI) and digital transformation have emerged as transformative forces reshaping the global landscape of commerce and education. Rapid advancements in machine learning, big data analytics, cloud computing, blockchain, the Internet of Things (IoT), and intelligent automation have significantly altered business operations, consumer behavior, teaching methodologies, and learning environments. In commerce, AI-driven technologies are enhancing operational efficiency, customer engagement, financial management, supply chain optimization, and personalized marketing strategies. Simultaneously, educational institutions are increasingly adopting digital technologies to improve teaching effectiveness, learning accessibility, administrative management, and student performance evaluation. The integration of AI into digital ecosystems has accelerated innovation, productivity, and decision-making processes across multiple sectors. However, challenges related to cybersecurity, ethical concerns, digital inequality, data privacy, workforce displacement, and technological infrastructure remain significant barriers to sustainable implementation. The present review comprehensively discusses the role of artificial intelligence and digital transformation in commerce and education, focusing on emerging technologies, practical applications, benefits, challenges, and future perspectives. The review also highlights the importance of policy frameworks, digital literacy, ethical AI governance, and interdisciplinary collaboration for ensuring responsible and inclusive technological advancement. The study concludes that AI-driven digital transformation has the potential to revolutionize economic systems and educational practices, provided that technological innovation is accompanied by ethical regulation, equitable access, and sustainable development strategies.