Research on the Risk Management Mechanism of Technological Innovation Investment under the Background of Artificial Intelligence Development: An Insurance Mechanisms Perspective

This study investigates the risk management mechanisms influencing technological innovation investments in the context of artificial intelligence (AI) development. A quantitative approach was employed, using a structured survey distributed to 300 firms involved in AI-driven innovation across various industries, including healthcare, finance, manufacturing, and technology. The data were analyzed using regression and structural equation modeling (SEM) techniques. The findings reveal that technological uncertainty can positively impact investment success when firms effectively manage risks, with a mean score of 4.2 for technological uncertainty and 3.9 for investment success. In contrast, market risks (mean = 3.6) and regulatory challenges (mean = 3.7) negatively affect outcomes. Additionally, the study highlights the critical role of risk management mechanisms (mean = 4.0) and organizational readiness in moderating these risks. Firms with robust risk management practices and higher organizational preparedness are more likely to achieve successful AI-driven investments. These results contribute to the growing literature on AI-driven innovation by emphasizing the importance of risk management and internal capabilities in navigating the complexities of AI investment.