The advent of artificial intelligence in banking has made a tremendous shift from conventional brick and mortar model to website-based transactions. As we are in the fourth industrial revolution the popularity of AI simplifies banking practices. This study has a customer-centric approach. This paper mainly focused on the changes that AI brings to the working environment and operational efficiency of banks in employees view point. The research adopts a quantitative approach using both primary and secondary data. For primary data collection a structured questionnaire is distributed to fifty employees in various commercial banks. Various statistical tools like mean, standard deviation, kurtosis, correlation, regression and t-test are used for data analysis and interpretation. The findings reveal that AI has significantly altered the working environment, and improved the internal operational efficiency However, technical issues such as data quality issue, transparency issue, regulatory compliance, implementation cost etc stood as a hindrance against the smooth acceptance and adaptability of AI applications among employees.AI technologies and receptive and skilled manpower can lift over AI banking into more and more opportunities that transform customer experience, streamline operations , better working environment and unlock the full potential of digital innovation.
J et al. (Sat,) studied this question.