Hybrid artificial intelligence: Application in the banking sector

Abstract

The integration of smart technologies, from data mining to Artificial Intelligence, has revolutionized the way financial institutions manage and use information. This progress has driven the development of hybrid artificial intelligence solutions, which fuse neural networks, fuzzy logic, genetic algorithms and intelligent agents, improving efficiency and accuracy in finance. Key application areas include implementing machine learning for personalized financial services, using artificial intelligence to improve credit risk assessments, and automating operations for greater efficiency. This study aims to analyze the implementation of hybrid artificial intelligence in the banking sector. The findings suggest that machine learning significantly personalizes services, increasing customer satisfaction and retention. Artificial intelligence has refined credit risk assessment, reducing errors and improving accuracy, while AI-enabled automation has streamlined operations. In addition, artificial intelligence helps analyze trends and innovate products. The combination of traditional and data-driven artificial intelligence techniques was identified as offering significant competitive advantages for financial institutions.