تأثير الذكاء الاصطناعي في تعزيز ربحية المصارف التجارية (دراسة تحليلية على مصرف التنمية الدولي)

Abstract

The research aims to study the impact of artificial intelligence (AI) on enhancing profitability in commercial banks. AI is defined through three dimensions: improving banking operational efficiency, customizing services and customer experiences, and analyzing big data. Profitability will be examined through three dimensions: increasing revenues, reducing costs, and improving customer satisfaction. The research used a descriptive analytical approach, relying on a questionnaire to gather information from a sample of 200 individuals. A total of 236 questionnaires were distributed to achieve the required number, resulting in 217 returned questionnaires, of which 17 were excluded due to incomplete responses or similar answers. The research seeks to provide pathways for improvements in the use of AI in commercial banks, which can contribute to enhancing profitability and improving customer experiences. Significant results indicate that the use of AI positively impacts profitability in commercial banks. Enhancing operational efficiency, customizing services, and analyzing big data significantly boost revenue growth, reduce costs, and improve customer satisfaction. The researcher recommended strengthening the use of AI technologies that support banking operations and contribute to improving customer experience and reducing costs.