أثر الذكاء الاصطناعي على تعزيز الشمول المالي للبنوك التجارية

Abstract

The study aimed to identify the impact of artificial intelligence (expert systems, big data analysis, smart agents, devices and networks) on enhancing financial inclusion at the Bank of Agriculture and Rural Development - Mila Agency. To achieve the study objective, a questionnaire was prepared that included 32 statements to collect primary information from a study sample of 37 individuals. Hypotheses were tested using the Statistical Package for Social Sciences (SPSS). In light of this, data were collected and analyzed. Several statistical methods were used to achieve the study objectives, including simple and multiple regression analysis. The study reached several results, most notably the existence of a statistically significant impact of artificial intelligence, with all its dimensions combined, on enhancing financial inclusion at the Agricultural and Rural Development Bank (Mila Agency) at a significance level of α≤0.05. The study recommended that the bank focus on artificial intelligence technologies, given their effective role in enhancing financial inclusion. This is achieved through the use of robots and expert systems, which reduce operating costs, which is reflected in the cost and quality of various banking services. It also recommended enhancing cybersecurity to provide a digital environment that ensures the security of information and financial transactions and prevents fraud