IMPROVING THE EFFICIENCY OF STRATEGIC RESOURCE ALLOCATION IN BANKING ACTIVITIES THROUGH ARTIFICIAL INTELLIGENCE

Abstract

This article examines the opportunities for improving strategic resource allocation in commercial banks through artificial intelligence technologies. The study shows that AI can support more efficient allocation of capital, liquidity, funding, investment budgets, human resources, and technological capacity by improving forecasting, risk-return assessment, scenario analysis, and strategic prioritization. Recent international evidence indicates that banks are increasingly using AI in credit risk assessment, capital management, business modelling, and internal process optimization. At the same time, effective AI-based allocation requires reliable data, human oversight, model-risk management, cybersecurity, and alignment with the bank’s long-term strategy. Based on the analysis, an integrated AI-supported strategic resource allocation mechanism is proposed, enabling banks to move from static, historically based allocation toward forward-looking and adaptive resource management.