Proceedings of the International scientific and practical conference ―Science in the Era of Globalization‖ (May 22-24, 2026) / Publisher website: www.naukainfo.com. - Zurich, Switzerland, 2026. - 353 p.

24 an additional source of risks and threats. At the same time, failures in the work of suppliers can lead to a deterioration in the stability of functioning in financial markets. However, the digital economy is an economy that is formed on digital and information and communication technologies, its powerful development and expansion into the spheres of the traditional economy will contribute to the fact that the traditional economy itself will gradually change. Since it will transform into a new form, getting closer to the consumer and supplier and turning from a consumer of resources to a source of their creation [1]. Digitalization and automation of customer service is one of the important areas of use of AI in the financial sector. Effective analysis and automation of classification of data about their customers through intelligent distribution enables financial institutions to solve modern, complex tasks related to a large number of calls, consumer inquiries and other messages received from customers. Thanks to AI technologies, banking institutions have the opportunity to use another tool instead of call centers - chatbots. This mechanism significantly improves the operational efficiency of financial activities, as well as the quality and efficiency of customer service in the financial market. Modern virtual chatbots are able to solve most of the problems posed by consumers and provide specific answers to the questions posed, and if necessary, direct the client to the customer support department and obtain information from a competent specialist. Currently, AI is one of the reliable and promising areas of further development, both of information systems and of improving technologies in the field of financial services. As practice shows, promising technologies are based on the collection, processing and analysis of Big Data, learning algorithms and self-improvement [6]. The application of AI in the banking sector is one of the leading ones, focused on the development and integration of AI to perform numerous problematic tasks. The implementation of AI by banking institutions makes it possible to reduce costs, increase income and operational efficiency of institutions, as well as improve the quality of customer service and ensure a high level of productivity growth.