Applications of Artificial Intelligence in Banking Services - International Experiences –

Abstract

    This study aims to identify the key applications of artificial intelligence in banking services and analyze selected international experiences in this field. It also seeks to highlight the extent to which this technology contributes to improving banking efficiency and enhancing the quality of services provided to customers. The study finds that artificial intelligence is widely used in fraud detection, risk management, data analysis, customer service, and creditworthiness assessment. The results indicate that its adoption contributes to reducing costs, accelerating banking operations, improving customer experience, and supporting more appropriate decision-making.

The study further concludes that the successful implementation of these applications requires advanced digital infrastructure, specialized expertise, appropriate regulatory frameworks, and effective measures to ensure data security and customer privacy.