导航金融演变:金融部门的业务流程优化和数字化转型

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Sunil Chahal
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引用次数: 0

摘要

目的:本研究对金融业的数字化转型环境进行了深入分析,特别强调了业务流程改进。金融机构正在适应一个不断变化的环境,尖端技术正在被广泛应用。由于云计算、区块链和人工智能(AI)的进步,金融业务正在发生变化,这些技术实现了可扩展性和成本效益,并改善了消费者体验。然而,这种变化并非没有困难,例如监管合规的复杂性,对数据安全的担忧,包括人才获取的必要性。该研究的目的是深入评估在流程优化和数字化转型方面有所增加的众多财务方面的变化。通过研究,对借助数字技术加强公司流程优化所包含的各项措施进行了考察。 研究方法:在研究的开发过程中采用的方法是二次分析。通过解释主义的应用,解决问题已经提供,演绎推理已经灌输达到预期的结果。从学术期刊和PubMed、IEEE Xplore和谷歌Scholar等其他数据源收集信息。文献分析的应用已经能够评估各种概念。 研究结果:根据研究结果,人们注意到数字革命对金融服务的增长非常富有成效。需要通过金融机构和监管组织之间的合作努力实现技术创新(包括合规)之间的和谐平衡。效率的提高,特别是在风险评估程序中,是由机器人过程自动化(RPA)和基于人工智能的算法驱动的。这项研究强调了金融机构内部保持灵活性的必要性,以便在快速变化的数字生态系统中保持稳健和竞争力。人工智能帮助提高了金融公司内部的数据安全性,并提高了客户满意度。 对理论、政策和实践的独特贡献:该研究对理论、政策和实践的独特贡献涉及到数字颠覆理论的改进,以增加数字服务的整体潜力。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Navigating Financial Evolution: Business Process Optimization and Digital Transformation in the Finance Sector
Purpose: This study presents a thorough analysis of the financial industry's digital transformation environment with a particular emphasis on business process improvement. Financial institutions are navigating a changing environment where cutting-edge technology is being employed widely. Financial operations are changing as a result of advances in cloud computing, blockchain, as well as artificial intelligence (AI), which enable scalability, and cost-efficiency, along with improved consumer experiences. However, this change is not without its difficulties, such as the complexity of regulatory compliance, worries about data security, including the necessity of talent acquisition. The purpose of the study is to develop an in-depth assessment of the alternations in numerous financial aspects, where there has been a rise in process optimization and digital transformation. With the help of the study, the examination of the various measures included with the aid of digital technology for the intensification of company processes optimization has been achieved. Methodology: The methodology implemented in the development of the study is that of secondary analysis. Through the application of interpretivism, addressing the issues have been provided, where deductive reasoning has been inculcated for reaching the expected outcome. The collection of information had been enabled from academic journals and other data sources from PubMed, IEEE Xplore, and Google Scholar. The application of literature analysis has been enabled for assessing the various concepts. Findings: As per the findings of the study, it has been noted that digital revolution has been extremely fruitful for the growth of financial services. A harmonic balance between technological innovations including compliance needs to be attained via cooperative efforts between financial institutions and regulatory organizations. Efficiency gains, particularly in risk assessment procedures, are being driven by robotic process automation (RPA) and AI-based algorithms. This study highlights the necessity of constant flexibility inside financial institutions to be robust as well as competitive in the rapidly changing digital ecosystem. AI has helped in increasing data security within the financial firms and increased the rates of customer satisfaction. Unique Contribution to Theory, Policy and Practice: The unique contribution of the study towards the theory, policy and practices relates to the betterment of theory of digital disruption for increasing the overall potential of the digital services.
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来源期刊
CiteScore
5.70
自引率
6.90%
发文量
143
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