НАПРЯМИ ВИКОРИСТАННЯ ШТУЧНОГО ІНТЕЛЕКТУ У БАНКІВСЬКИХ УСТАНОВАХ

Abstract

Today many banking institutions have faced various challenges related to the impact of the financial and economic crisis, the crisis due to the coronavirus pandemic, the unstable political situation of countries, etc., which in turn has led to the undermining of the efficiency of the financial sector of states. The answer to each of these negative factors was the rapid development of digitalization, which was characterized by the creation of new information and communication technologies aimed at optimizing the work of financial institutions, including banks.Thanks to such innovations, banks are able to work online, simplify work with large data sets, improve protection against cyberattacks and fraud, implement scoring systems, etc. That is why the authors' appeal to this topic is relevant and in demand today.The purpose of the research is to define, describe and describe in detail the key directions of using artificial intelligence in banking institutions of Ukraine and the world based on examples of real banks.Within the framework of this article, the main directions of using artificial intelligence (AI) in banking institutions were revealed, the key ones of which are: cyber security, chatbots, credit solutions, analysis of market trends, data collection and analysis, analysis of customer experience, risk manage-ment, compliance with regulations requirements, predictive analytics, process automation. Examples of the use of AI technologies by the world's leading banks are given, in particular: algorithms based on artificial intelligence, which are able to quickly detect a fraud attempt, used by the Danish bank "Danske Bank"; the use of chatbots, for example, the technological chatbot"Erica", which is implemented in the operations of the American bank "Bank of America"; scoring, examples of the use of this technology are the "ZAML" platform, which was developed by the American company "ZestFinance", as well as the scoring platform of the Swedish company "BehavioSec", etc. Taking this into account, the consequences of the introduction of artificial intelligence in the banking sphere for the banking institution, investors, customers and employees were revealed