The Transformative Power of Generative AI in Financial Service: A Comprehensive Review

Dorin Bayraktar; Eduard Alexandru Stoica; Ioana Andreea Bogoslov; Radu Mircea Georgescu

doi:10.18778/2082-4440.47.03

Autor

Dorin Bayraktar Al. I. Cuza University of Iasi, Faculty of Economics and Business Administration, Iasi, Romania https://orcid.org/0000-0002-2130-1764
Eduard Alexandru Stoica Lucian Blaga University of Sibiu, Faculty of Economic Sciences, Sibiu, Romania https://orcid.org/0000-0002-0693-8433
Ioana Andreea Bogoslov Lucian Blaga University of Sibiu, Faculty of Economic Sciences, Sibiu, Romania https://orcid.org/0000-0001-5834-8710
Radu Mircea Georgescu Al. I. Cuza University of Iasi, Faculty of Economics and Business Administration, Iasi, Romania https://orcid.org/0000-0002-7022-3715

DOI:

https://doi.org/10.18778/2082-4440.47.03

Słowa kluczowe:

GenAI, usługi finansowe, automatyzacja, efektywność operacyjna, etyka AI, prywatność danych

Abstrakt

W obecnych czasach, w których technologie cyfrowe są wszechobecne w większości ludzkich działań, transformacja cyfrowa pozostaje kluczowym obszarem badań o globalnym zasięgu. Wśród tych technologii, generatywna sztuczna inteligencja (GenAI) staje się szczególnie przełomową potęgą. Przekształca ona branże poprzez automatyzację procesów, usprawnianie procesu decyzyjnego i napędzanie innowacji biznesowych.

Głównym celem niniejszego artykułu jest przegląd i synteza literatury w celu zdefiniowania sztucznej inteligencji generatywnej i jej wpływu na branżę usług finansowych, przy jednoczesnym przedstawieniu pozytywnych i negatywnych aspektów wykorzystania tej technologii.

Artykuł składa się z dwóch głównych części. Pierwsza część ma na celu zdefiniowanie technologii GenAI, analizę jej istoty i sposobu działania, a druga część obejmuje przegląd literatury na temat wpływu sztucznej inteligencji generatywnej na usługi finansowe, wskazując w ten sposób zarówno zalety, jak i negatywne aspekty korzystania z tej technologii.

Wyniki badań mogą być cenne dla osób, które nie są zaznajomione z technologią GenAI lub są zainteresowane jej wpływem na środowisko biznesowe, w szczególności usługi finansowe.

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