Artificial intelligence unit as a subject of law: feasibility and prospects for the idea’s development in the context of digital banking

Currently, with the development of social relations, there is also a significant technological progress. Information technologies have firmly entered modern life, which necessitates appropriate legal regulation. In addition to specialized regulatory legal acts, most countries are developing their digital development strategies, including at the integration and international levels. All this has a significant impact on the development of the banking sector. A significant number of banks in developed and developing countries are gradually moving away (and some have moved away almost completely) from the classical banking business, giving priority to the provision of financial services to more technological methods. This helps not only to reduce the costs of credit institutions, but also to expand the client base and, as a consequence, the sphere of influence. In the second half of the 10s of the 21st century, the technology of artificial intelligence was greatly developed. This technology has unlimited potential, and therefore many commercial enterprises are seeking to introduce it into their businesses to reduce costs. However, over time, artificial Intelligence is developing quite rapidly, which suggests that it is capable of self-learning and increased autonomy. The question of subjectivization of artificial intelligence is increasingly being raised in scientific research, but the feasibility of this is still debatable