Bankacılık Hizmetlerinde Yapay Zekâ Kullanımı

Abstract

Industry 4.0, the fourth step of the industrialization process, can be described as a system in which minimizing the labor force in the production of services and products and increasing the speed, flexibility, and compatibility of the processes carried out at minimum cost by using computer programs and machines with its components containing advanced technologies. The Fourth Industrial Revolution includes more than one component. One of these components, the concept of artificial intelligence, is a set of codings with abilities such as voice recognition with computer software, reasoning, imitating human thoughts with artificial cells, identifying/understanding emotions, reacting to perception, and initiating action. Artificial intelligence is preferred in multiple fields such as armed forces, security systems, civil aviation, marketing, and advertising, due to the benefits it offers to users and companies to a large extent. One of the areas where artificial intelligence is used the most is the banking field, which is a constantly developing and dynamic sector. Artificial intelligence-based applications, websites, online applications, voice response systems, and virtual assistants started to be used in the ongoing e-digital transformation processes in banking and the service production process offered in digital banking applications. In this study, the historical development of the concept of artificial and its usage areas in general, the importance of artificial intelligence for the banking sector, and its usage areas in the sector were examined in the light of the data obtained from The Banks Association of Turkey. (English) [ABSTRACT FROM AUTHOR]