Paper Contents
Abstract
Artificial Intelligence (AI) and Machine Learning (ML) are rapidly reshaping the landscape of commercial banking operations by enabling smarter, faster, and more accurate decision-making. These technologies empower banks to automate repetitive processes, enhance customer experience through personalization, strengthen fraud detection and risk management, and streamline back-office operations. The adoption of AIML has become imperative for commercial banks seeking to maintain competitiveness, reduce costs, and improve operational resilience. However, the implementation of these techniques brings challenges such as data privacy concerns, algorithmic bias, regulatory uncertainty, and the need for skilled talent. This study explores how AI and ML are influencing key functions of commercial bankssuch as credit scoring, customer service, fraud detection, and operational efficiencyand discusses both benefits and obstacles. The findings indicate that while AIML hold significant promise for transforming commercial banking, careful attention to governance, ethical frameworks, and regulatory compliance is crucial for sustainable integration.
Copyright
Copyright © 2025 Dr.Simhachalam Terli . This is an open access article distributed under the Creative Commons Attribution License.
