AI transfer logic has always had room for improvement, this year though I feel I have to comment separately on it since SI claim AI recruitment has been revamped. I often play in smaller european leagues such as Norway, Sweden, Poland, Croatia etc, trying to make respectable european clubs out of their best teams. The problems below have more or less always been prolific in these countries, but this year I feel its far worse in the current state of the game.
I often start every year managing Dinamo Zagreb and a few years in my save my young talents are, as always, starting to develop into serious players. At the same time the team is a serious Champions League-contender every season making it into the semifinals year 3. I still keep getting constantly bombarded with low ball offers from seemingly weaker clubs (albeit from bigger leagues sometimes). Almost every day during transfer windows 2-5 of my players are getting transfer offers from multiple clubs. AI clubs just dont seem to get when a player is not for sale. This was not always the fact earlier years.
Another problem is recently bought players or players that have fairly recently renewed their contract getting offers from semibigger clubs and wanting to move despite the fact that they have barely broken into my first 11. They are also openly voicing their concerns in a way that is just not realistic and would not happen this often in real life. They also way too often get influential team mates on their side, ruining the team morale.
The biggest problem of them all though is the extremely poor transfer decisions AI clubs still make. It is truly appalling and in the current state I would say game breaking. Three years into my save im dominating the domestic league and its just completely immersionbreaking to see my biggest rivals making all these bad decision trying to keep up. Its gotten to the point where im almost trying to help them out by buying 1 or 2 of their biggest talents and paying top top dollars for it. What to they do with the money? Well, my fiercest rival just bought a 33-year old Sergio Rico and a 32-year old Manolis Siopsis for a totalt of 25M (12,5+12,5) €. They would NEVER EVER pay this kind of money for any player IRL, let alone 2 has-beens that are not improving the team one bit. They also make a lot of free transfers which is fine, but its always really ****** players. I rarely if ever find one single transfer AI clubs make where I think to myself - "wow nice, a sensible sum for a good player that will undoubtedly strengthen them!". Big part of what makes the game feel too easy a few years in.