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.

25 Practice shows that the use of AI technologies makes it possible to move to a more personalized provision of financial services. This means that from the received consumer data, a banking institution can form and present an individual offer to the client, which will encourage and expand the circle of consumers of financial services. Currently, the direction of using AI as a robot consultant remains relevant and in greater demand, as a cheaper way to convey important information to the consumer, as well as improving approaches to fraud prevention and risk management. The use of AI technologies by banking institutions makes it possible to solve the current issues of predicting the share of non-performance of loans by clients, processing social, environmental, and management information to analyze the state of the internal situation. In addition, AI technologies help in identifying signs of fraud or unscrupulous behavior of bank personnel. AI technologies are often used by national banks in control and supervisory procedures, identifying risks of financial institutions, suspicious transactions, early identification and prevention of stressful situations, assessing credit risks, predicting the likelihood of clients using banking services or the occurrence of other errors that affect the efficiency and stability of the functioning of a financial institution. Risks can be reduced by using additional tools and mechanisms or accepted as they are. When we accept/take note of the identified risks, we are obliged to review them at both the strategic and operational levels. Reviewing strategic risks allows us to ensure that the assumptions made are confirmed [7, р.37]. AI technologies applied in the financial sector increase the level of security of both services and operations, reliability and efficiency, as well as the possibility of proper, long-term storage of private, confidential information. The use of an AI tool is, in essence, a new way and algorithm for organizing and storing databases that have a higher degree of reliability. In our opinion, when assessing the role of AI technologies in the development of the banking system in Ukraine, it is appropriate to note that modern banks must be more competitive, especially in the digital environment, adhere to global rules and trends in banking development. Therefore, the issue of increasing financial