IMPLEMENTATION OF ARTIFICIAL INTELLIGENCE AND BIG DATA TECHNOLOGIES IN THE BANKING SYSTEM: EFFICIENCY AND SECURITY
Abstract
This article explores the integration of Artificial Intelligence (AI) and Big Data technologies into the modern banking system, focusing on their impact on operational efficiency and cybersecurity. As the financial sector undergoes rapid digital transformation, AI and Big Data are becoming critical tools for enhancing decision-making, customer experience, and risk management. The paper analyzes how these technologies optimize banking processes such as fraud detection, credit scoring, and personalized financial services. It also discusses the potential risks, including data privacy concerns and cyber threats, and outlines strategies to mitigate them. The study draws on global trends as well as regional practices to provide a comprehensive view of how banks can leverage intelligent technologies while ensuring secure digital operations.
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