RESEARCH ON CYBERSECURITY TECHNOLOGIES FOR BANKING SYSTEMS USING ARTIFICIAL INTELLIGENCE

The article explores the application of modern artificial intelligence (AI) technologies as a tool for ensuring cybersecurity in banking systems. Amid the growing number of sophisticated cyberattacks, traditional protection methods are no longer sufficient to provide an adequate level of security, making the implementation of intelligent systems capable of automatically analyzing large volumes of data and promptly responding to threats highly relevant. The study examines key approaches to integrating AI into the processes of detecting anomalies and cybercrimes in the banking sector. It analyzes core AI technologies used for real-time fraud detection, behavioral biometrics, countering phishing attacks, and automating compliance and audit processes. Based on practical case studies, the high efficiency of AI in enhancing threat detection accuracy, reducing response times, and minimizing false positives is demonstrated. Particular attention is given to the adaptability and self-learning capabilities of intelligent security systems in a dynamic threat environment. The advantages of integrating AI into the banking security infrastructure are highlighted, alongside the main challenges associated with implementing such solutions. The research results confirm the promising potential of AI as an effective cybersecurity tool in banking systems.