Bankacılıkta Yapay Zeka Uygulamaları

Yıl 2024, Cilt: 9 Sayı: Special Issue, 246 - 263, 30.12.2024

Sultan Sarı

Öz

Günümüzde teknolojinin hızla ilerlemesiyle, yapay zeka(YZ) bankacılıkta büyük bir dönüşüm yaşatmaktadır. Bankalar, müşteri deneyimini iyileştirmek, robotik süreç otomasyonu ile tekrarlayan görevleri otomatikleştirerek operasyonel verimliliği artırmak, riskleri azaltmak, iç kontrol yöntemleri ve süreçlerinin etkinliğini yükseltmek, kredi başvurularını değerlendirmek ve potansiyel riskli müşterileri tespit etmek, anomalileri ve alışılmadık aktiviteleri belirleyerek, dolandırıcılıkları tespit ve önlemek için YZ teknolojilerini uygulamaktadır. Öte yandan, YZ, “veri gizliliği ve güvenliği”, “siber risk”, “veri kalitesi”, “önyargı ve tarafsızlık”, “ donanım ve personel eksikliği” gibi bazı kısıt ve zorlukları da beraberinde getirmektektedir. Eğer sözkonusu bu kısıt ve zorluklar yönetilebilirse, YZ bankacılık sektöründe finansal hizmetlerin sunumunu iyileştirerek, maliyetleri düşürerek bankaların rekabet gücünü artırmakta ve geleceğin finans dünyasını şekillendirmektedir. Bu çalışmada, YZ bankacılık uygulamaları konusundaki çalışmalar kullanım alanlarına göre incelenmektedir

Anahtar Kelimeler

Bankacılık, Yapay Zeka, Yapay Zeka Bankacılık Uygulamaları.

AI Applications in the Banking Sector

Öz

With the rapid advancement of technology today, artificial intelligence(AI) is driving a significant transformation in banking. Banks are applying AI technologies to improve customer experience, enhance operational efficiency by automating repetitive tasks through robotic process automation, reduce risks, increase the effectiveness of internal control methods and processes, evaluate loan applications, and identify potentially risky customers. AI is also used to detect anomalies and unusual activities, and to identify and prevent fraud. On the other hand, AI brings some constraints and challenges, such as "data privacy and security," "cyber risk," "data quality," "bias and fairness," and "hardware and personnel shortages". If these constraints and challenges can be managed, AI can improve the delivery of financial services in the banking sector, reduce costs, enhance banks' competitive edge, and shape the future of the financial world. This study reviews the literature on AI in banking applications, examining their areas of use.

Anahtar Kelimeler

Banking, Artificial Intelligence (AI), Banking AI Applications

Kaynakça

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