VEŠTAČKA INTELIGENCIJA KAO POKRETAČ INOVACIJA U MODERNIM FINANSIJSKIM SISTEMIMA
DOI:
https://doi.org/10.59864/Oditor12602MJKljučne reči:
veštačka inteligencija, finansijski sistemi, primena veštačke inteligencije, digitalne inovacije, upravljanje rizikomApstrakt
Veštačka inteligencija (AI) postala je značajan pokretač inovacija i digitalne transformacije savremenih finansijskih sistema. Cilj ovog rada je empirijsko ispitivanje obrazaca primene veštačke inteligencije u ključnim bankarskim funkcijama i različitim geografskim regionima, primenom deskriptivne i komparativne analize sekundarnih kvantitativnih podataka iz savremenih industrijskih izveštaja i tržišnih analiza. Rezultati pokazuju da je primena AI najzastupljenija u otkrivanju prevara (60–65%) i upravljanju rizikom (oko 60%), dok je u kreditnom skoringu relativno niža (45–50%). Regionalna analiza ukazuje na značajne razlike, pri čemu Severna Amerika beleži najvišu stopu primene (65%), a Afrika i Bliski istok najnižu (40%). Rezultati takođe ukazuju na rast investicija i tržišta, potvrđujući strateški značaj AI za finansijske inovacije. Rad doprinosi razumevanju savremenih obrazaca transformacije finansijskih sistema zasnovane na AI, uz naglašavanje potrebe za odgovornom primenom, regulatornim prilagođavanjem, zaštitom podataka i transparentnim upravljanjem AI.
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