SPECIFICS OF INTEGRATION OF ARTIFICIAL INTELLIGENCE INTO THE BANKING SYSTEM OF UKRAINE

The article establishes that economic globalisation and digital transformation are forcing banks to introduce the latest technologies, including artificial intelligence, in order to remain competitive, improve the efficiency of their processes and provide new opportunities for customer interaction. The study analysed the process of integrating artificial intelligence into the banking system of Ukraine and found that this process is strategically important as it helps to increase the efficiency of banks, optimise business processes and improve the quality of customer service. The purpose of the article is to study the process of integration of artificial intelligence into the banking system of Ukraine, to analyse the main opportunities, challenges and advantages of introducing this technology. It is established that the use of artificial intelligence allows banks to automate routine tasks, reduce operating costs, increase the speed of processing requests and reduce the risks associated with fraud. It is found that by analysing large amounts of data and predicting customer behaviour, artificial intelligence helps to introduce personalised financial services, which, in turn, contributes to the growth of trust in banking institutions. It is proved that the process of implementing artificial intelligence is accompanied by a number of obstacles and advantages. The author proposes an algorithm for integrating artificial intelligence into the banking sector, which will allow banks to effectively and safely implement the latest technologies to optimise their activities, minimise the risks associated with the introduction of artificial intelligence, and ensure its maximum compliance with the strategic goals of a banking institution. It is proved that the use of artificial intelligence is a promising area of development of the financial sector, and its active implementation will allow Ukrainian banks to remain competitive in the modern digital environment. Further research is based on a systematic analysis of the effectiveness of the implementation of artificial intelligence in the banking system of Ukraine, an assessment of its impact on the financial stability and competitiveness of banks, as well as the study of opportunities for further optimisation and improvement of AI technologies.