The Future of AI-Driven Personalization in Digital Banking User Experience

Authors: Sajindas Devidas

DOI: https://doi.org/10.37082/IJIRMPS.v13.i4.232632

Short DOI: https://doi.org/g9t993

Country: United States

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Abstract: AI-driven personalization is changing how people use digital banking. Instead of everyone seeing the same screens and options, banks can now provide each person with a more personalized and helpful experience. With the help of smart computer programs, banks can understand what you need and offer suggestions or advice right when you need it.
This research looks at how AI helps people make better money decisions by giving them the right products, noticing their habits, and offering useful tips. It also discusses some challenges banks face, such as protecting customer information, ensuring AI is fair, and updating outdated systems. In the end, the study says that banks using AI to personalize their services will stand out and lead the way in the future.

Keywords: Artificial Intelligence, Personalization, Digital Banking, User Experience, Machine Learning, Predictive Analytics, Financial Technology

Paper Id: 232632

Published On: 2025-07-25

Published In: Volume 13, Issue 4, July-August 2025

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