Russian and foreign practice of artificial intelligence in banking and its significance for business processes
The research is devoted to the study of the features and possibilities artificial intelligence in banking, substantiating its importance for the business processes of modern commercial banks. The Russian and foreign banking practice of using artificial intelligence, the volume of investments in the...
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| Format: | Article |
| Language: | Russian |
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North Caucasus Federal University
2023-03-01
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| Series: | Вестник Северо-Кавказского федерального университета |
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| Online Access: | https://vestnikskfu.elpub.ru/jour/article/view/2427 |
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| author | E. A. Zolotova E. Yu. Kalashnikova O. N. Chuvilova S. M. Grishanov |
| author_facet | E. A. Zolotova E. Yu. Kalashnikova O. N. Chuvilova S. M. Grishanov |
| author_sort | E. A. Zolotova |
| collection | DOAJ |
| description | The research is devoted to the study of the features and possibilities artificial intelligence in banking, substantiating its importance for the business processes of modern commercial banks. The Russian and foreign banking practice of using artificial intelligence, the volume of investments in the development of technology are considered. The assessment of the level of digitalization of the banking sector is given and the leading banks that are active users of artificial intelligence are identified. Particular attention is paid to the use of technology in the field of lending. The main problems of banks in assessing potential borrowers are identified. With this in mind, technological solutions have been developed aimed at improving the accuracy and efficiency of artificial intelligence when considering loan applications |
| format | Article |
| id | doaj-art-c89df8753ec64f6fa5e6170f171489bb |
| institution | DOAJ |
| issn | 2307-907X |
| language | Russian |
| publishDate | 2023-03-01 |
| publisher | North Caucasus Federal University |
| record_format | Article |
| series | Вестник Северо-Кавказского федерального университета |
| spelling | doaj-art-c89df8753ec64f6fa5e6170f171489bb2025-08-20T02:54:06ZrusNorth Caucasus Federal UniversityВестник Северо-Кавказского федерального университета2307-907X2023-03-0101213110.37493/2307-907X.2023.1.32412Russian and foreign practice of artificial intelligence in banking and its significance for business processesE. A. Zolotova0E. Yu. Kalashnikova1O. N. Chuvilova2S. M. Grishanov3Institute of Economics and management, NCFUInstitute of Economics and management, NCFUInstitute of Economics and Management, NCFUNCFUThe research is devoted to the study of the features and possibilities artificial intelligence in banking, substantiating its importance for the business processes of modern commercial banks. The Russian and foreign banking practice of using artificial intelligence, the volume of investments in the development of technology are considered. The assessment of the level of digitalization of the banking sector is given and the leading banks that are active users of artificial intelligence are identified. Particular attention is paid to the use of technology in the field of lending. The main problems of banks in assessing potential borrowers are identified. With this in mind, technological solutions have been developed aimed at improving the accuracy and efficiency of artificial intelligence when considering loan applicationshttps://vestnikskfu.elpub.ru/jour/article/view/2427artificial intelligencebig databusiness processesdigital technologiescredit assessmentdigital assistantsbiometric identificationscoring model |
| spellingShingle | E. A. Zolotova E. Yu. Kalashnikova O. N. Chuvilova S. M. Grishanov Russian and foreign practice of artificial intelligence in banking and its significance for business processes Вестник Северо-Кавказского федерального университета artificial intelligence big data business processes digital technologies credit assessment digital assistants biometric identification scoring model |
| title | Russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| title_full | Russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| title_fullStr | Russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| title_full_unstemmed | Russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| title_short | Russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| title_sort | russian and foreign practice of artificial intelligence in banking and its significance for business processes |
| topic | artificial intelligence big data business processes digital technologies credit assessment digital assistants biometric identification scoring model |
| url | https://vestnikskfu.elpub.ru/jour/article/view/2427 |
| work_keys_str_mv | AT eazolotova russianandforeignpracticeofartificialintelligenceinbankinganditssignificanceforbusinessprocesses AT eyukalashnikova russianandforeignpracticeofartificialintelligenceinbankinganditssignificanceforbusinessprocesses AT onchuvilova russianandforeignpracticeofartificialintelligenceinbankinganditssignificanceforbusinessprocesses AT smgrishanov russianandforeignpracticeofartificialintelligenceinbankinganditssignificanceforbusinessprocesses |