Keywords
banking sector
AI applications
fraud
risks
banking operations
approaches to the application of AI
How to Cite
Abstract
The article substantiates the relevance of the use of artificial intelligence in the banking sector in the context of rapid digitalization, the growth of online transactions and the strengthening of cyber threats. The purpose of the study is to analyze modern AI models used to detect fraud, manage risks and improve the security of financial transactions, as well as to compare the practices of their implementation in the USA, Great Britain, EU countries and Ukraine. The theoretical basis is provided by machine learning methods, deep neural networks, ensemble algorithms and hybrid AI architectures, capable of analyzing large data sets in real time and detecting complex behavioral patterns. The results obtained demonstrate significant differences in the level of technological maturity of banking systems in different countries. The USA and Great Britain are actively implementing hybrid models and graph neural networks to detect complex fraudulent schemes, while EU countries focus on Explainable AI, ensuring compliance with regulatory requirements. Ukraine focuses on the development of transaction monitoring, classification algorithms and anomaly detection models, which allows for increasing the accuracy of risk assessment of operations. It is shown that the use of AI contributes to reducing the number of fraudulent transactions, accelerating data analysis, optimizing internal processes, reducing operating costs and improving the customer experience. At the same time, key barriers to implementation were identified: insufficient explainability of models, high requirements for IT infrastructure, a shortage of specialists and the need to harmonize regulatory standards. The conclusions emphasize that the effective development of intelligent banking systems is possible if technical modernization, increased regulatory support and the implementation of transparent self-learning models are combined. This will ensure increased financial security, resistance to modern fraudulent schemes and the formation of a competitive digital banking environment compatible with international standards.
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