APPLICATION OF ARTIFICIAL INTELLIGENCE IN THE ACTIVITIES OF BANKS
Authors:
1.
Rossiyskiy universitet transporta (MIIT)
2.
Sibirskiy gosudarstvennyy universitet vodnogo transporta
Type:
Сonference article
Pages:
from 72
to 74
Published:
14.01.2025
Language:
Russian
Keywords:
Artificial intelligence, credit institutions, customer loyalty
Abstract (English):
During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
Keywords:
Artificial intelligence, credit institutions, customer loyalty
Artificial intelligence, credit institutions, customer loyalty
1. O cifrovyh finansovyh aktivah, cifrovoy valyute i o vnesenii izmeneniy v otdel'nye zakonodatel'nye akty Rossiyskoy Federacii [Elektronnyy resurs]: feder. zakon ot 31 iyulya 2020 g. № 259-FZ. — URL: https://www.consultant.ru/document/cons_doc_LAW_358753/ (data obrascheniya: 13.05.2024).
