ROLE OF ARTIFICIAL INTELLIGENCE IN INCREASING THE SUISTAINABILITY OF COMMERCIAL BANKS

Abstract

In the era of rapid digital transformation, commercial banks face intensifying pressure to maintain financial stability, manage risks more effectively, and remain competitive in an increasingly complex global market. Artificial intelligence (AI) has emerged as a pivotal technology empowering banks to address these challenges through advanced data analytics, automated decision-making, enhanced risk management frameworks, and improved customer service delivery. The integration of AI in banking is not merely a trend, but a foundational shift reshaping how financial institutions operate and sustain long-term stability. This paper examines the role and importance of AI in enhancing commercial bank stability, synthesizing insights from recent research and practical implementations to highlight both the benefits and inherent risks associated with adoption.