Citation

Abdul Malik, Nur Iylia Syafiqah and Subbarao, Anusuyah (2026) A Behavioral Finance Research Agenda in the Era of AI-Driven Commercial Banking. Lecture Notes on Multidisciplinary Industrial Engineering. pp. 191-200. ISSN 2522-5022

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Abstract

The economic sector and society are increasingly focusing on artificial intelligence (AI). AI was effectively implemented in the banking sector throughout its early stages. AI is predominantly employed in investment banking and backend operations that do not need direct customer touch. Thus far, the focus on client engagement has resulted in limited attention being given to the implementation of AI in the realm of commercial banking. The integration of AI in the commercial banking sector has the capacity to modify business protocols and client interactions, perhaps leading to the emergence of research prospects in the field of behavioral finance. To address this research gap, this study conducted a systematic review of existing literature to identify the various uses of AI in commercial banks, as well as the challenges involved with implementing AI in this context. Research findings suggest that commercial banks have the potential to enhance consumer targeting, minimize lending losses, enhance payment processing security, streamline compliance-related tasks, and expand their client base. Researcher has raised concerns about the implementation of technological advantages, the integration of AI into corporate operations, and ensuring user acceptability through transparency, privacy, and proper documentation.

Item Type:	Article
Uncontrolled Keywords:	Commercial banking, investment banking
Subjects:	H Social Sciences > HG Finance > HG1501-3550 Banking
Divisions:	Faculty of Business (FOB) Faculty of Management (FOM)
Depositing User:	Ms Rosnani Abd Wahab
Date Deposited:	27 Feb 2026 07:06
Last Modified:	27 Feb 2026 07:06
URII:	http://shdl.mmu.edu.my/id/eprint/15357

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