Application and influence of artificial intelligence technology in commercial banks

Abstract

As a subversive technology, artificial intelligence will promote the transformation of commercial banks to intelligence. At present, technologies such as speech recognition and integrated learning have been applied in the banking industry, such as intelligent response robot, personalized application experience and service, etc. Commercial banks have also set up big data teams to use machine learning and predictive analysis technology for customer group portrait and risk early warning. In the future, AI related technologies will be applied to more scenarios such as risk control, credit decision-making, insurance pricing, service recommendation and customer service to further optimize the back-end and front-end business of commercial banks and improve operational efficiency.