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Role of Generative AI in Reshaping Risk Management in Banking and Financial Oversight

by Ritu Sharma
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International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 186 - Number 79
Year of Publication: 2025
Authors: Ritu Sharma
10.5120/ijca2025924698

Ritu Sharma . Role of Generative AI in Reshaping Risk Management in Banking and Financial Oversight. International Journal of Computer Applications. 186, 79 ( Apr 2025), 7-12. DOI=10.5120/ijca2025924698

@article{ 10.5120/ijca2025924698,
author = { Ritu Sharma },
title = { Role of Generative AI in Reshaping Risk Management in Banking and Financial Oversight },
journal = { International Journal of Computer Applications },
issue_date = { Apr 2025 },
volume = { 186 },
number = { 79 },
month = { Apr },
year = { 2025 },
issn = { 0975-8887 },
pages = { 7-12 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume186/number79/role-of-generative-ai-in-reshaping-risk-mangement-in-banking-and-financial-oversight/ },
doi = { 10.5120/ijca2025924698 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2025-04-26T02:19:27.747991+05:30
%A Ritu Sharma
%T Role of Generative AI in Reshaping Risk Management in Banking and Financial Oversight
%J International Journal of Computer Applications
%@ 0975-8887
%V 186
%N 79
%P 7-12
%D 2025
%I Foundation of Computer Science (FCS), NY, USA
Abstract

This article looks at how generative AI systems are changing risk management strategies in the banking and financial services industry. It explains how AI is being used for real time risk analysis, fraud prevention, and regulatory risk control. Based on practical examples, the article outlines the opportunities and challenges of using AI in the management of financial risks and presents an overview of the changing risk management paradigm in the age of artificial intelligence.

References
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  2. Banna, H., et al. Machine Learning in Banking Risk Management: A Systematic Literature Review. Journal of Risk and Financial Management, vol. 15, no. 2, 2022, p. 84, https://doi.org/10.3390/jrfm15020084.
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  7. He, X., et al. Research on Risk Management of Commercial Banks Based on AI Technology. Journal of Physics: Conference Series, vol. 1744, no. 2, 2021, p. 022019, https://doi.org/10.1088/1742-6596/1744/2/022019.
  8. Giudici, P., et al. Predicting Bank Crises Using Machine Learning: The Role of Offline and Online Reviews. Emerging Markets Review, vol. 48, 2021, p. 100773, https://doi.org/10.1016/j.ememar.2021.100773.
  9. Meles, A., et al. The Synergy of FinTech and AI in Banking Risk Management. Journal of Risk and Financial Management, vol. 15, no. 9, 2022, p. 402, https://doi.org/10.3390/jrfm15090402.
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Index Terms

Computer Science
Information Sciences
Generative AI
Finance
Risk Management

Keywords

Risk Mitigation Compliance Governance

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