Мақаланы E-mail арқылы жіберу Transformation of the banking sector under the influence of artificial intelligence: evolution, opportunities, challenges
- Авторлар: Zueva O.B1
-
Мекемелер:
- Engagement Manager at Top Consulting Firm, New York, USA
- Шығарылым: № 4 (2025)
- Беттер: 130-137
- Бөлім: Articles
- URL: https://ogarev-online.ru/2500-3747/article/view/369362
- ID: 369362
Дәйексөз келтіру
Аннотация
the article examines the transformation of the banking sector under the influence of artificial intelligence (AI) through the lens of its evolution, available opportunities, and emerging challenges. AI integration has become a driving force behind fundamental changes, reshaping customer interaction methods, automating business processes, and optimizing decision-making mechanisms within financial management. However, alongside technological progress, pressing issues related to algorithmic bias, cybersecurity, ethics, and regulatory oversight are becoming more acute. The scientific community and financial sector stakeholders offer divergent assessments of the balance between AI's advantages and its associated risks, leading to contradictions in existing research. The objective of this study is to conduct a comprehensive analysis of AI evolution in the banking sector, explore its potential and inherent barriers, and identify prospects for further development. Key areas of practical implementation are systematized and summarized, including customer service personalization, operational efficiency enhancement, automation of investment analysis, and risk management. Additionally, recommendations are formulated for considering factors critical to the successful adoption of AI in banking. The findings of this study are of interest to researchers investigating the digital transformation of the financial sector, banking professionals involved in AI implementation, and regulators developing strategies for managing technological risks.
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