The Impact of Artificial Intelligence-Based Technologies on Reducing Economic Imbalances and Achieving Sustainable Development : The Moderating Role of Crowdfunding Financing (A Case Study of Alborz Insurance Company)

In recent decades, emerging technologies, particularly artificial intelligence (AI), have been recognized as key drivers of economic and social transformation. However, insufficient financial resources and limited access to innovative crowdfunding mechanisms remain major barriers to the implementation of AI-based projects. Accordingly, this study adopts a quantitative approach with a descriptive–causal (correlational) research design to investigate the impact of AI-based technologies on addressing economic imbalances and achieving sustainable development, considering the moderating role of crowdfunding. The statistical population consists of employees of Alborz Insurance Company who are familiar with AI technologies and actively involved in the design, development, training, and marketing of crowdfunding initiatives. A stratified random sampling method was employed, and the collected data were analyzed using Structural Equation Modeling (SEM) with AMOS and Microsoft Excel. The findings reveal that AI-based technologies, moderated by crowdfunding, have a significant positive effect on addressing economic imbalances (**β = 0.70**) and achieving sustainable development (**β = 0.51**). Furthermore, the results indicate that the development and implementation of innovative crowdfunding schemes by Alborz Insurance Company can effectively mobilize financial resources, reduce economic imbalances, and contribute to the achievement of sustainable development goals.