OPTIMIZING RISK MANAGEMENT IN DIGITAL BANKS USING AI ALGORITHMS
DOI:
https://doi.org/10.5281/zenodo.21278656Keywords:
AI, digital banking, risk management, machine learning, credit scoring, fraud detection, regulatory compliance, cybersecurity.Abstract
This research presents a comprehensive analysis of the integration and optimization of Artificial Intelligence algorithms within the risk management frameworks of digital banks. As the financial sector moves toward autonomous value units, the limitations of traditional, linear risk assessment methodologies have become pronounced. By leveraging advanced machine learning architectures, including ensemble models, artificial neural networks, and natural language processing, digital banks can significantly enhance their predictive accuracy across credit, market, and operational risk domains.References
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