ARTIFICIAL INTELLIGENCE AND CYBER RESILIENCE IN THE BANKING SECTOR. A NEW ERA IN RISK MANAGEMENT AND FINANCIAL PROTECTION

Corina-Ionela Dumitrescu (), Iuliana Grecu and Nicoleta Niculescu ()
Additional contact information
Corina-Ionela Dumitrescu: National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre Author-Name Adelina – Elena Bãdescu
Iuliana Grecu: National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre
Nicoleta Niculescu: National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre

Scientific Bulletin - Economic Sciences, 2025, vol. 24, issue 1, 25-42

Abstract: Artificial Intelligence (AI) has become a crucial component in enhancing cyber resilience within the European banking sector. The rapid digital transformation has brought about significant cyber risks, necessitating advanced solutions for data protection, business continuity, and maintaining customer trust. AI plays a vital role in real-time anomaly detection, risk anticipation, and automated incident response, thereby optimizing threat defence and financial risk management through predictive analytics. Despite its benefits, AI's integration poses challenges related to data protection and ethical decision-making, requiring strict compliance with European and international legislation such as GDPR, NIS2 Directive, Basel III regulations, and the AI Regulation. This study offers a descriptive analysis and examines AI's impact on cyber resilience, highlighting its technological advantages and legal implications in the banking sector. Innovative models for AI implementation are explored to develop effective security and financial risk management mechanisms, emphasizing the need for proactive threat detection, operational efficiency, and adaptability to evolving cyber threats.

Keywords: artificial intelligence; resilience; risk management; efficiency; adaptability (search for similar items in EconPapers)
JEL-codes: G32 K24 O33 (search for similar items in EconPapers)
Date: 2025
References: View references in EconPapers View complete reference list from CitEc
Citations:

Downloads: (external link)
http://economic.upit.ro/RePEc/pdf/2025_1_3.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:pts:journl:y:2025:i::p1:25-42

Access Statistics for this article

Scientific Bulletin - Economic Sciences is currently edited by Alina Hagiu

More articles in Scientific Bulletin - Economic Sciences from University of Pitesti Contact information at EDIRC.
Bibliographic data for series maintained by Alina Hagiu ().