What is AI doing in the bank?

What does AI do in a bank?

Processing gigantic amounts of data, learning from patterns, and forecasting—this is how artificial intelligence has revolutionized banking.
Financial institutions relentlessly utilize AI capabilities for analysis, improving efficiency, security, and enhancing customer satisfaction.
AI can be found in credit scoring programs, risk assessments, financial analyses, banking process automation, applications, and online platforms, from chatbots to virtual assistants.

Chatbots are an excellent example of practical AI application in banking. They are on the front line of contact with the bank, operating 24/7. With AI support, they can quickly understand, verify, and respond to us.

Artificial intelligence is not only about 24/7 customer service but also support in detecting financial fraud. The speed of detecting and analyzing unusual transactions in real-time protects banks from financial losses. AI quickly adapts to changing threats, planning protective actions.

Remember the previous article about our spying smartphones? Now let's combine the capabilities of our phones with AI and marketing orders from large corporations. This all gives us highly personalized marketing.

AI helps financial institutions conduct accurate marketing campaigns. Artificial intelligence analyzes the client in terms of their preferences, checks the history of online operations, what and where they buy, and how often. It even reaches social media, which provides information about vacations, homes, or families.
This information allows for profiling and assessing the client from their needs to creditworthiness. Decisions based on AI analysis streamline the bank's work and reduce the risk of loss.
Collected and properly analyzed information helps tailor the right offer and promotion. Based on this, the bank can build appropriate marketing actions and entire pricing strategies.

The use of artificial intelligence significantly speeds up the work of teams, which are relieved of routine tasks such as data entry or document verification. Standing guard over the bank's cybersecurity increases transaction security and supports protection against cyberattacks. It reduces operational costs while increasing the return on investment in marketing and seeking new clients. Regardless of where AI is applied, artificial intelligence completely changes the rules of the game.

12.06.2024

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