STRATEGIC INTEGRATION OF ARTIFICIAL INTELLIGENCE AND OPEN BANKING IN EMERGING FINANCIAL ECOSYSTEMS: IMPLICATIONS FOR FINANCIAL INCLUSION AND BANKING EFFICIENCY

The rapid digital transformation of the global financial sector has accelerated the integration of artificial intelligence technologies and Open Banking systems into commercial banking activities. In emerging economies, these processes are becoming important drivers for improving financial inclusion, increasing operational efficiency, and enhancing the strategic adaptability of banking institutions. This study examines the role of AI-driven Open Banking ecosystems in transforming traditional banking models into integrated digital financial platforms. The research analyzes institutional, technological, and strategic factors influencing the effectiveness of digital banking ecosystems in emerging markets.