ENTERPRISE ARCHITECTURE FOR AI INTEGRATION IN FINANCIAL SERVICES: A FRAMEWORK FOR RISK MANAGEMENT, CUSTOMER EXPERIENCE, AND OPERATIONAL EFFICIENCY

This article examines the strategic integration of artificial intelligence within financial institutions through the lens of enterprise architecture.The article explores three key application domains: risk management and fraud detection, personalized customer experiences, and automation of routine operations.The article identifies critical success factors for seamless integration with existing systems while maintaining regulatory compliance by analyzing the interplay between AI capabilities and enterprise architecture frameworks.The article highlights how properly architected AI implementations can enhance security protocols, deliver personalized customer journeys, and optimize operational efficiency.This article contributes to both theoretical understanding and practical application by proposing a comprehensive framework that addresses implementation challenges, including data governance, organizational readiness, and change management.Financial institutions can utilize this framework to develop sustainable AI strategies that align with their broader digital transformation objectives while navigating the complex regulatory landscape of the financial services sector.