o:8322 Personalized Learning through Artificial Intelligence: Opportunities, Risks, and Policy Perspectives en Artificial Intelligence (AI) is redefining the landscape of personalized education by enabling adaptive systems that respond dynamically to individual learning needs. This paper explores how AI technologies-including machine learning, big data analytics, and intelligent tutoring systems-support the transformation of pedagogical models. Key opportunities discussed include real-time personalization of content delivery, increased student motivation, and inclusive learning environments. At the same time, the study critically examines potential risks, such as data privacy concerns, algorithmic bias, and the erosion of human-centered pedagogy. Policy implications are addressed with recommendations for regulatory frameworks to ensure ethical and responsible AI integration into education. The paper emphasizes the need for empirical research to validate AI-driven models in diverse educational settings. By aligning technological innovation with humanistic values, the paper contributes to ongoing discourse on how AI can support-not supplant-the role of educators. The findings provide a foundation for future research and policy design aimed at creating equitable, transparent, and effective personalized learning ecosystems. artificial intelligence, personalized learning, educational policy, algorithmic ethics, adaptive learning systems. 1552099 10.23947/2334-8496-2025-13-2-541-549 2025-10-14T08:24:14.940Z 44 no 46 Lazar Stošić Faculty of Informatics and Computer Science, University Union—Nikola Tesla, Belgrade, Serbia 0000-0003-0039-7370 46 Aleksandar Radonjić Faculty of Informatics and Computer Science, University Union—Nikola Tesla, Belgrade, Serbia 0000-0003-3715-468X 46 Olja Krčadinac Faculty of Informatics and Computer Science, University Union—Nikola Tesla, Belgrade, Serbia 0000-0002-6299-371X 46 Borivoje Baltezarević The Institute for Serbian Culture Prishtina – Leposavic, Serbia 0000-0002-6798-6981 46 Olga Mikhailova Department of Psychology and Pedagogy, Peoples’ Friendship University of Russia named after Patrice Lumumba (RUDN University), Moscow, Russian Federation application/pdf 247193 https://unilib.phaidrabg.rs/o:8322 no yes 16 70 1552253 71A06 International Journal of Cognitive Research in Science, Engineering and Education (IJCRSEE) 13 2 541 549 2025