ВЛИЯНИЕ ИСКУССТВЕННОГО ИНТЕЛЛЕКТА НА БАНКОВСКУЮ СИСТЕМУ

Abstract

The banking industry is undergoing tremendous reforms with a major focus on the customer. Customers, who are tech savvy and often interact with cutting-edge technology, want banks to provide them with a seamless service. To meet these expectations, banks have expanded their industry landscape to include retail, information technology and telecommunications through the use of services such as mobile banking, e-banking and real-time money transfers. While these advancements have enabled customers to access most banking services at their convenience, they have also come at a high cost to the banking sector. However, implementing AI in banking and financial services has drawbacks such as concerns about data security and privacy, algorithmic bias, and possible impact on operations. It is very important to address these concerns and ensure that AI is used ethically and responsibly as it becomes more prevalent in banking and financial services. This research paper aims to explore the impact of AI on the banking industry, focusing on its application in areas such as fraud detection, customer service, risk management and personalized marketing. Based on a comprehensive analysis of industry reports, academic research and case studies, this paper will examine the benefits and challenges of AI adoption in the banking industry, as well as the future implications of this technology for the industry.