Artificial Intelligence (AI) has emerged as a transformative technology that is reshaping modern Information Technology systems and driving innovation across multiple sectors of the global economy. Among these, finance, commerce and transportation have experienced significant structural and operational changes due to AI-driven automation, data analytics and intelligent decision-making systems. This research paper presents a comprehensive analysis of the role of Artificial Intelligence in finance, commerce and transportation from an Information Technology perspective. The study is based on a systematic review and qualitative analysis of peer-reviewed research articles, academic books, industry reports and policy documents. In the financial sector, AI applications such as fraud detection, credit scoring and algorithmic trading and risk assessment enhance accuracy, efficiency and financial security. In commerce, AI-enabled recommendation systems, intelligent chat bots, dynamic pricing models and supply-chain optimization tools improve customer engagement and business performance. In transportation, AI supports smart traffic management, route optimization, predictive maintenance and autonomous vehicle technologies, contributing to improved safety and efficiency. Despite these advantages, AI adoption presents challenges related to data privacy, cybersecurity, algorithmic bias, lack of transparency and workforce displacement. The paper emphasizes the need for ethical AI frameworks, explainable models, regulatory oversight and human–AI collaboration to ensure responsible and sustainable deployment. The findings provide valuable insights for researchers, practitioners and policymakers aiming to achieve inclusive and accountable integration of AI into evolving technological ecosystems