Journal of Industrial and Systems Engineering، جلد ۱۶، شماره ۳، صفحات ۷۹-۸۹
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عنوان انگلیسی Providing an innovative model for a modern intelligent banking system based on AIoT
چکیده انگلیسی مقاله The fusion of Artificial Intelligence (AI) and the Internet of Things (IoT), known as AIoT, is revolutionizing industries by combining real-time data collection with intelligent decision-making. The banking sector stands to gain significantly from this paradigm, addressing challenges such as operational inefficiencies, cybersecurity threats, and limited personalization. This paper proposes an innovative model for a modern intelligent banking system powered by AIoT. The model integrates IoT-enabled devices, edge computing, machine learning algorithms, and secure cloud infrastructure to deliver personalized, adaptive, and secure banking services. Key features include real-time fraud detection, biometric authentication, predictive analytics for financial decision-making, and intuitive AI-driven customer interactions. A case study is presented to validate the model's effectiveness, demonstrating improved transaction efficiency, enhanced user experience, and strengthened security. This research highlights the transformative potential of AIoT in creating customer-centric, secure, and scalable banking solutions for the digital era. Future research directions are also discussed.
کلیدواژه‌های انگلیسی مقاله smart banking,artificial intelligence of things,AIoT-based banking,Conceptual Framework
نویسندگان مقاله Bentolhoda Aliahmadi |
Department of Industrial Engineering, Islamic Azad University, Central Tehran Branch

نشانی اینترنتی https://www.jise.ir/article_209779_8f5bfa23f6438d33df4ccaeab8bb36b7.pdf
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