INTEGRATING ARTIFICIAL INTELLIGENCE INTO CENTRAL BANKING: OPPORTUNITIES, CHALLENGES, AND IMPLICATIONS

Vesna MARTIN

doi:10.5937/jpmnt12-49962

Vesna MARTIN Economists Association of Belgrade, Belgrade, Serbia

DOI: https://doi.org/10.5937/jpmnt12-49962

Sažetak

Veštačka inteligencija se sve više koristi u različitim oblastima, uključujući centralno bankarstvo, za poboljšanje donošenja odluka, efikasnosti poslovanja i upravljanja rizikom. Danas praktično sve centralne banke istražuju upotrebu veštačke inteligencije u svom poslovanju, kao što su ekonomsko predviđanje, analiza rizika, istraživanje politike i analiza tržišta. Sve ovo može pomoći da se poveća otpornost finansijskog sistema u vreme kada globalna ekonomija postaje međusobno povezana i složenija. S druge strane, od vitalnog je značaja istaći nove prepreke veštačke inteligencije, kao što su sajber bezbednost, privatnost podataka i transparentnost algoritama, sa kojima centralne banke moraju da se pozabave da bi efikasno iskoristile prednosti implementacije veštačke inteligencije. Prilikom primene veštačke inteligencije, centralne banke treba da zauzmu temeljan i uravnotežen pristup, uzimajući u obzir etičke, pravne i društvene implikacije, dok maksimalno iskoriste sve prednosti koje veštačka inteligencija može da pruži. Kontinuirano praćenje regulatornih okvira i međunarodna saradnja mogu pomoći centralnim bankama u realizaciji potencijala ovih tehnologija. U ovom radu analiziraćemo funkciju veštačke inteligencije u centralnom bankarstvu. Ispitaćemo prednosti, izazove i rizike, kao i upotrebu veštačke inteligencije u poslovanju vodećih centralnih banaka, sa posebnim akcentom na njeno korišćenje u bankarskom sektoru Srbije.

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