مجلة اقتصاد المال و الأعمال
Volume 9, Numéro 3, Pages 203-212
2025-09-30

The Impact Of Artificial Intelligence On The Sustainability Of Banking Services - Pioneering Experiences



Authors : Ziani Khaoula . Ramdane Imene .

Abstract

This study analyze how leading banks such as HSBC, Citi, and JPMorgan Chase are utilizing artificial intelligence (AI) applications to enhance the sustainability of their banking services. The study adopted a document analysis approach, analyzing documents and reports issued by these banks. The findings revealed that AI applications play a pivotal role in improving the sustainability of banking services through risk management, fraud detection, and enhancing customer experience, with differences in focus areas among banks such as sustainable finance and responsible AI practices. Cette étude analyse comment les principales banques telles que HSBC, Citi et JPMorgan Chase utilisent les applications de l’intelligence artificielle (IA) pour renforcer la durabilité de leurs services bancaires. L’étude a adopté une approche basée sur l’analyse documentaire, en examinant les documents et rapports publiés par ces banques. Les résultats ont révélé que les applications d’IA jouent un rôle central dans l’amélioration de la durabilité des services bancaires, notamment à travers la gestion des risques, la détection des fraudes et l’amélioration de l’expérience client, tout en mettant en évidence des différences dans les domaines de concentration entre les banques, comme le financement durable et les pratiques responsables en matière d’IA.

Keywords

Artificial Intelligence ; the Sustainability of Banking Services ; Pioneering Experiences

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