Author(s)

Tingting Deng ¹, Shuochen Bi ², Jiangshan Wang ³, Jue Xiao ⁴, Wenqing Bao ⁵

Affiliation(s)

¹ Simon Business School, University of Rochester, Independent Researcher Chantilly, VA, 20151, USA
² D'Amore-McKim School of Business, Northeastern University, Independent Researcher Boston, MA, 02110, USA
³ The Paul Merage School of Business, University of California, Irvine, Independent Researcher Salt Lake City, UT, 84121, USA
⁴ The School of Business, University of Connecticut, Independent Researcher Jersey City, NJ, 07302, USA
⁵ Americold Logistics, LLC Atlanta, GA, 30319, USA

Corresponding Author

Tingting Deng

ABSTRACT

Based on the development status of the banking industry in the United States, this paper discusses the application value of artificial intelligence generation content (AIGC) technology in the personalized banking service. The research adopts the methods of literature review and case analysis to analyze the technical characteristics of AIGC and its application potential in the fields of content generation and intelligent interaction, and focuses on the path of AIGC to realize personalized service scenarios such as intelligent customer service, intelligent investment, precision marketing, risk control and compliance. By sorting out the best practices of AIGC application in the US banking industry, the research believes that AIGC is the key grasp and enabling technology of the banking industry to provide personalized services centered on customers. The US banking industry should accelerate the pace of AIGC and business integration, and deepen the service process and digital transformation with AIGC. Grasping the development opportunities of AIGC requires the coordination of technology, talent, process, risk control and other aspects. AIGC has a promising future in the field of personalized banking services.

KEYWORDS

Banking; Artificial intelligence; Personalized service; Digital transformation

CITE THIS PAPER

Tingting Deng, Shuochen Bi, Jiangshan Wang, Jue Xiao, Wenqing Bao, Customer-centric AI in Banking: Using AIGC to Improve Personalized Services. Journal of Artificial Intelligence Practice (2024) Vol. 7: 188-194. DOI: http://dx.doi.org/10.23977/jaip.2024.070225.

REFERENCES

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[5] Wu Tianbao. Review of the history and development trend of American banking innovation [C].//Collection of Beijing and Tianjin-Economic Development and Education Exchange Conference. 2022: 1-8.
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