Transformation of financial intermediation business models under the influence of artificial intelligence technologies

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The article examines the transformation processes of financial intermediation business models under the influence of artificial intelligence technologies. The research aims to analyze the impact of AI technologies on changes in operational processes, product lines, and client interactions of financial intermediaries. The study employs methods of systems analysis, comparative research, and statistical analysis of Russian financial market data for 2020-2025. An original typology of AI application areas in financial intermediation has been developed, including operational, analytical, client-oriented, and strategic directions. Key transformation effects of operational processes and customer service of Russian financial intermediaries have been identified: operational cost reduction by 15-20%, acceleration of decision-making processes by 5-10 times, and improvement in customer service quality in digital banking. Scenarios for financial intermediation development and practical recommendations for market participants in the field of AI technology implementation are proposed. The research results have practical significance for developing digital transformation strategies for financial organizations.

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Financial intermediation, artificial intelligence, business models, digital transformation, fintech, automation, machine learning

Короткий адрес: https://sciup.org/142245976

IDR: 142245976   |   УДК: 336.7:004.8   |   DOI: 10.17513/vaael.4329