Modern Artificial Intelligence Technologies as a Tool of Transformation of Value Chains of Russian Commercial Banks

The object of the study is the value chain of the bank. The purpose of the study is to identify the possibility of applying artificial intelligence (AI) technologies in the value chain stages of commercial banks and transform value chains under the influence of these technologies. It uses both general scientific methods — analysis, synthesis, abstraction, induction and deduction, and graphical and statistical analysis, the methodology of value chain creation. The main approaches to the formation of the value chain in the banking industry, as well as the key characteristics of the business processes included in it, were studied. Particular attention is paid to the technological component as the basis for the development of modern digital banking. During the research, the main directions for the implementation of modern artificial intelligence technologies, both applied and generative. Analysis of the value chain showed that the creation and use of AI models is an independent supporting process, the work of which not only affects the core activities of the bank, but also requires a certain level of technology development and risk-management in the bank. Data from the AI Russia case library demonstrates the actual impact of AI models on the value chain phases of marketing and sales, customer support and communications, operational processing and risk management. Based on the results of the study, it was concluded that the introduction of innovations in the field of artificial intelligence increases the value of the company by increasing the efficiency of business processes. The introduction of artificial intelligence into processes requires the technological maturity of the enterprise, and its use is an independent technological process that requires the participation of auxiliary processes, for example, risk management. The results of the study are of practical importance for companies in the banking industry, since methods for analyzing the impact of AI technologies on the value chain can be used when making decisions about their implementation.