Annotation

The relevance of the study of the possibilities of using artificial intelligence in banking is due to the strategic orientation of the Russian Federation towards achieving technological sovereignty, enshrined in national projects. For the financial sector, which is a system-forming part of the economy, technological independence is of particular importance, since the stability of the banking infrastructure directly affects the stability of the payment system, the security of data turnover and the continuity of transactions and other financial transactions. With limited access to foreign digital solutions and services and the growing dependence of key processes on algorithmic technologies, artificial intelligence is becoming a critical tool for improving the autonomy of banking systems. The use of domestic data processing models, automation of credit, supervisory and compliance processes, as well as intelligent cyber resilience systems can minimize managerial, legal and technological risks, reducing the vulnerability of infrastructure to external factors. Thus, AI contributes to the formation of a domestic ecosystem of financial technologies, ensuring increased efficiency, predictability and manageability of processes in the banking sector.