TECHNOLOGIES OF ARTIFICIAL INTELLIGENCE IN A BANK ANTI-CRISIS MANAGEMENT

Abstract

The article is devoted to the study of the categorical apparatus in the field of the bank anti-crisis management. Conducted comparative analysis of various scientific points of view allowed to formulate the actual definition of the term "bank anti-crisis management" as a system of measures to prevent the emergence, identification and overcoming of negative effects of internal imbalances and the crisis state of the bank with minimal losses (expenses) through integration and due to the synergy of systemic, situational, functional, process, project, risk-oriented, behavioral approaches that allows in complex not only to solve the problem of financial stability but also to strengthen the potential future development of a banking institution. It is revealed that in conjunction with the loss of the bank its financial stability no less threatening is the crisis of its competitive business strategy and loss of confidence in the bank and the banking system as a whole. It is noted that banks should take into account the peculiarities of formation or loss of trust on the level of interrelations, the market of banking products and services, the banking community and interbank economic relations, society. The traditional and innovative approaches of the bank anti-crisis management are systematized, which must be taken into account in the process of implementation the bank anti-crisis strategy. The article substantiated the potential possibilities of using artificial intelligence technologies for improving the efficiency of the bank anti-crisis management. It is established that traditional approaches to bank anti-crisis management are mainly aimed at identifying and overcoming the crisis, while the innovative ones - on its prevention and ensuring a post-crisis recovery and bank growth. The directions of distribution of artificial intelligence technologies in banking, their ability to provide financial stability and optimization of business processes, the quality and personalization of banking services, reliability and security were identified and characterized.