Integration of artificial intelligence into banking processes: theoretical approaches
T. N. Zverkova · Sibirskaya finansovaya shkola · 2025
The relevance of the study is due to the fact that the pace of digitalization in the banking sector significantly outpaces the theoretical understanding of these changes. This discrepancy leads to an insufficient assessment of the emerging challenges and risks associated with the integration of artificial intelligence (AI) into banking processes, which emphasizes the need for a more in-depth theoretical analysis and development of methodological approaches to assessing these transformations. The study considers approaches to the implementation of AI in the banking sector, based on the provisions of the theories of asymmetric information, transaction costs, agency relations and innovation. The application of these theoretical foundations forms a scientific basis for analyzing the transformational potential of AI in the modernization of traditional banking processes. These approaches not only contribute to a deeper understanding of the mechanisms of AI integration, but also help to eliminate existing gaps in assessing its impact on changes and digital transformation of the banking sector. The object of the study is the integration of artificial intelligence technologies into the business processes of banks. The aim of the work is to study the possibilities of substantiating the digital transformation of banking processes based on the application of the provisions of the theories of asymmetric information, transaction costs, agency relations and innovation. The methodological basis of the study includes an analysis of scientific literature, systematization, generalization and comparative analysis, as well as the use of graphical methods to visualize the obtained results. The scientific novelty lies in the substantiation of approaches that link theoretical foundations with the practice of integrating artificial intelligence into banking processes. This allows us to consider the interaction of theory and practice, identify problematic issues and then propose ways to solve them. The practical significance lies in the possibility of using the proposed approaches in developing strategies for the digital transformation of banks and increasing their competitiveness.