Искусственный интеллект в банках: первые результаты, препятствия и риски

Abstract

The use of artificial intelligence is becoming one of the development trends in the financial industry. Many companies have already mastered the first directions of the application of artificial intelligence and are now looking for new ways to use this technology. The article analyzes the current state, development trends, prospects and risks of introducing artificial intelligence technologies into the work processes of Russian banks. The dynamics of the Russian artificial intelligence technology market for 2022 are presented, examples of practical business solutions using these technologies in marketing are given, and their advantages and disadvantages are highlighted. The purpose of the article is to identify the risks and prospects for the development of artificial intelligence technologies in the banking sector based on an assessment of the current results of using this technology in banks and the opinions of their clients. Based on the author's survey of respondents, a study of attitudes towards such changes was conducted. The survey results showed that the younger generation is ready to interact with artificial intelligence systems, but at the same time there is still distrust in the solutions and products offered on their basis. The first results of introducing artificial intelligence technologies into business processes are presented using the example of Sberbank, which, being the largest Russian bank, is actively developing and implementing this technology into its systems and products. Thus, the scope of artificial intelligence will expand and cover new directions, facilitating labor-intensive and routine tasks for personnel. Companies and banks without the introduction of artificial intelligence into business processes may lose their competitiveness in the future.