مجلة الإدارة والتنمية للبحوث والدراسات
Volume 15, Numéro 1, Pages 461-480
2026-06-01
Effectiveness Of Artificial Intelligence Applications As A Mechanism For Banking Risk Management - Copy
Authors : Menacer Abdesslam .
Abstract
Abstract: This article examines to what extent artificial intelligence (AI) can act as an effective mechanism for predicting banking crises and managing banking risks. It argues that traditional risk forecasting tools have proven insufficient in a highly complex financial environment. Using an analytical descriptive and inductive approach, the study highlights how AI techniques particularly neural networks and intelligent algorithms enable banks to analyse vast amounts of structured and unstructured data and to detect hidden patterns linked to credit, market, liquidity, and operational risks. The findings show that AI can significantly enhance early warning capabilities, improve the quality of lending and fraud detection decisions, and support proactive, data‑driven risk management. The article concludes that realizing this potential requires appropriate digital infrastructure, skilled human resources, and robust ethical and regulatory frameworks.
Keywords
artificial intelligence ; banking risk management ; crisis prediction ; neural networks ; expert systems
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