THE IMPORTANCE OF ARTIFICIAL INTELLIGENCE AND BIG DATA TECHNOLOGIES IN OPTIMIZING BANK OPERATIONAL COSTS

Abstract

This study examines the importance of artificial intelligence and Big Data technologies in optimizing operational costs in commercial banks. The analysis focuses on how AI-driven automation and advanced data analytics transform traditional banking operations, improve process efficiency, and reduce labor and administrative expenses. The findings indicate that the integration of AI and Big Data enables banks to achieve sustainable cost optimization, enhance risk management, and improve decision-making quality. Overall, these technologies are identified as strategic tools for strengthening operational resilience and long-term competitiveness in the banking sector.