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Abstract
This article examines scientific and theoretical approaches to using artificial intelligence in the development of banking services. The aim of the study is to systematize the main directions of AI application in banking activities and to determine the factors influencing its implementation efficiency. Based on the analysis of scientific literature, technological-transformational, client-centric, credit, risk-oriented, and generative approaches were considered. It has been established that artificial intelligence contributes to increasing the efficiency of banking operations, improving credit scoring, risk management, identifying fraudulent transactions, and personalizing financial services. Generative AI is gaining particular importance, expanding the possibilities for automating intellectual and customer processes. It is substantiated that the effectiveness of AI application depends on data quality, digital infrastructure, human capital, organizational readiness, and the institutional and regulatory environment.
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Copyright (c) 2026 Мамутова, А.К. (Muallif)