在银行系统中采用人工智能和机器学习:对董事会的定性调查
1College of Business, University of Jeddah, Jeddah, Saudi Arabia.
Frontiers in artificial intelligence
|December 12, 2024
概括
董事会对于在沙特银行采用AI和ML至关重要,提高网络安全和效率. 挑战包括基础设施和战略,但与沙特2030年愿景保持一致是增长的关键.
科学领域:
- 银行技术 银行技术
- 人工智能的人工智能
- 机器学习 机器学习
背景情况:
- 沙特阿拉伯的银行业面临着不断变化的网络威胁和运营挑战.
- 采用人工智能和机器学习等先进技术对于竞争力和安全至关重要.
研究的目的:
- 检查董事会在促进沙特阿拉伯银行采用AI和ML方面的作用.
- 探索AI和ML在保护沙特阿拉伯银行业免受网络攻击方面的有效性.
主要方法:
- 定性研究方法.
- 与沙特阿拉伯知名银行17名董事会成员进行了深入采访.
主要成果:
- 人工智能和机器学习在威胁检测,欺诈预防和流程自动化方面提供了巨大的好处.
- 重要的障碍包括有限的基础设施,缺乏凝聚力的人工智能战略和道德问题.
- 董事会董事在战略方向,资源分配和伙伴关系方面发挥着至关重要的作用.
结论:
- 人工智能和机器学习的采用为沙特银行业带来了机遇和挑战.
- 与沙特2030年愿景等国家目标的战略协调对于持续增长至关重要.
- 调查结果为政策制定者在新兴市场导航AI/ML采用提供了影响.
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