The Essence, Necessity, and Significance of Artificial Intelligence Technologies in the Banking System

This article examines the essence, necessity, significance, and types of artificial intelligence (AI) technologies, highlighting their role as key drivers of innovation in the banking system. Particular attention is given to the potential of AI technologies to optimize credit scoring processes, enhance the speed and quality of customer service, and facilitate the early detection of fraudulent activities. Furthermore, the article provides a theoretical overview of the positive contributions of artificial intelligence to banks' operational efficiency and financial stability in the context of rapid digital transformation. The study also analyzes the practical applications of AI technologies in the banking and financial sectors at both international and national levels, emphasizing their growing importance in improving banking operations and supporting the development of innovative financial services.