ARTIFICIAL INTELLIGENCE IN FINANCE A CONCEPTUAL ASSESSMENT ON ADVANTAGES, CHALLENGES AND STRATEGIES

Yıl 2025, Cilt: 6 Sayı: 1, 59 - 78, 30.04.2025

Yasemin Gedik

https://doi.org/10.53280/jer.1658159

Öz

AI is a rapidly growing field with the potential to revolutionize the financial industry. The integration of AI
into the financial sector is bringing fundamental change to how markets function, how institutions manage risk and how consumers interact with financial services. AI is an innovative technology that uses computer algorithms and data to mimic human intelligence, make predictions and automate tasks. AI is the ability of machines to perform cognitive functions usually associated with a human mind. AI offers numerous advantages in the financial sector such as improved operational activities, cost savings, fraud detection and prevention, solving complex problems, enhanced customer experience, fewer loan defaults and faster decision making. However, there are also concerns about the negative impacts of AI, such as the potential for bias and discrimination, lack of transparency, job losses, data privacy and cybersecurity. This study focuses on understanding the growing importance and impacts of AI in the financial sector. Furthermore, the study aims to help business managers in making relevant decisions by examining the advantages, challenges and strategies of AI applications along with up-to-date statistics.

Anahtar Kelimeler

Artificial Intelligence, Artificial Intelligence Advantages, Artificial Intelligence Challenges, Artificial Intelligence Strategies

FİNANS SEKTÖRÜNDE YAPAY ZEKÂ AVANTAJLARI, ZORLUKLARI VE STRATEJİLERİ ÜZERİNE KAVRAMSAL BİR DEĞERLENDİRME

Öz

Yapay Zekâ (AI), finans sektöründe devrim yaratma potansiyeline sahip hızla büyüyen bir alandır. AI’nın
finans sektörüne entegrasyonu, piyasaların işleyişine, kurumların riskleri yönetme biçimlerine ve tüketicilerin finansal hizmetlerle etkileşimine köklü bir değişim getirmektedir. AI, insan zekâsını taklit etmek, tahminlerde bulunmak ve görevleri otomatikleştirmek için bilgisayar algoritmaları ve verileri kullanan yenilikçi bir teknolojidir. AI, makinelerin genellikle bir insan zihniyle ilişkilendirilen bilişsel işlevleri gerçekleştirme yeteneğidir. Finans sektöründe AI, iyileştirilmiş operasyonel faaliyetler, maliyet tasarrufu, dolandırıcılık tespiti ve önlenmesi, karmaşık problemleri çözme, gelişmiş müşteri deneyimi, daha az kredi temerrüttü ve daha hızlı karar alma gibi sayısız avantajlar sunmaktadır. Öte yandan, AI’nın önyargı ve ayrımcılık potansiyeli, şeffaflık eksikliği, iş kayıpları, veri gizliliği ve siber güvenlik gibi olumsuz etkileri hakkında da çeşitli endişeler bulunmaktadır. Bu çalışma, finans sektöründe AI’nın artan önemini ve etkilerini anlamaya odaklanmaktadır. Ayrıca çalışma, güncel istatistiklerle birlikte AI uygulamalarının avantajları, zorlukları ve stratejilerini de inceleyerek işletme yöneticilerine ilgili kararları alırken yardımcı olmayı amaçlamaktadır.

Anahtar Kelimeler

Yapay Zekâ, Yapay Zekâ Avantajları, Yapay Zekâ Zorlukları, Yapay Zekâ Stratejileri

Kaynakça

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