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ARTIFICIAL INTELLIGENCE AND THE EFFICIENCY OF SYSTEM MANAGEMENT IN BANKS: AN /ACADEMIC DISCOURSE

ABSTRACT

Today's global economy is witnessing increasing competitiveness driven by therapid development of information technologies, which have become pivotal in various sectors, including regional and urban planning. The tremendous advancement in information systems has propelled institutions, both in the public and private sectors, towards adopting modern technologies to process financial and accounting data in innovative ways characterized by professional and intellectual intelligence. This transformation is crucial for enhancing the sustainability of financial institutions, particularly banks, in a dynamic environment that demands continuous adaptation to cyclical, contingent, and sudden changes. In the context of regional and urban planning, the efficiency of financial and banking systems has become a fundamental element in supporting sustainable development and effectively financing urban projects. However, traditional methods of bank management are no longer sufficient to keep pace with the accelerating developments in enhancing the efficiency of financial systems, especially concerning the prevention of manipulation, detection of fraud, and management of risks. This situation has necessitated the adoption of advanced methodologies based on Artificial Intelligence (AI), which provides sophisticated technologies that enable the enhancement of the efficiency and reliability of banking system management. This contributes to achieving the requirements of SAR and QIP necessary for highly efficient bank management, which positively reflects on regional and urban planning by improving project financing and directing investments in more accurate and sustainable ways. Artificial intelligence is considered one of the most important modern technologies that significantly contribute to rapid technological development, thereby enhancing opportunities for innovation and growth in various fields. With the increasing use of AI technologies, it has become vital in improving the efficiency of urban planning, resource management, and enhancing the sustainability of cities, in addition to improving the quality of banking services and increasing the potential and efficiency of banks. Despite the widespread adoption of these technologies and the extensive discussion about their capabilities, they are still surrounded by ambiguity or exaggeration that may raise expectations and lead to unrealistic perceptions. This makes the understanding of AI and its real potential unclear to many decision-makers or executives in the public and private sectors, which calls for conscious strategies that effectively employ these technologies in supporting sustainable regional development. This research seeks to achieve two main objectives: The first is to clarify the concept of artificial intelligence and its technologies, along with the concept of electronic financial auditing, its procedures, and

everything related to bank management. The second objective is to demonstrate the role of artificial intelligence in enhancing the quality of bank management and its reflection on overall performance, with a focus on its impact on regional and urban planning. These technologies

contribute to the development of financial systems that support urban projects and enhance theefficiency of regional planning through effective financial resource management and the achievement of economic sustainability in urban areas. The research was based on two main

hypotheses: The use of artificial intelligence techniques helps in achieving quality bank management and performance in the implementation of all banking systems and programs (electronic auditing, deposits, withdrawals, etc.), thereby enhancing the efficiency of regional and urban planning by supporting development projects and improving the investment of financial resources. The use of artificial intelligence plays a role in achieving quality performance, and the use of digital transformation technologies leads to the activation of continuous auditing. Electronic financial banking auditing in general, supported by artificial intelligence, helps in enhancing transparency and governance within banks, leading to more accurate financial decisions that positively reflect on the sustainability and financing of urban and development projects. On the practical side, work was done to test the role of artificial intelligence in implementing the efficiency of banking system management and its role in achieving quality performance, through the use of a questionnaire distributed electronically to a

number of academic accountants and auditors in a selected group of banks. A total of (54) questionnaires were distributed, and (32) questionnaires were answered and analyzed using the (SPSS 30 - 2024) program. Based on this, the research was divided into four main axes:

The first axis dealt with the research methodology, while the second axis reviewed the theoretical framework of artificial intelligence and its role in improving the efficiency of banking system management. The third axis focused on the applied aspect, while the research

concluded in the fourth axis with conclusions and recommendations aimed at enhancing the integration between artificial intelligence and bank management within the framework of sustainable regional planning.

KEYWORDS: Artificial Intelligence in Bank Management, Sustainable Urban and Regional Planning, Risk Management, Fraud Detection, Urban Project Financing, Quality Performance, Technological Innovation, Financial Decision-Making.

Dr King M. LUCKY

INTERNATIONAL JOURNAL OF EDUCATIONAL AND SCIENTIFIC RESEARCH FINDINGS. VOL. 7 NO.1