IDEAS home Printed from https://ideas.repec.org/a/pts/journl/y2025ip125-42.html

Artificial Intelligence And Cyber Resilience In The Banking Sector. A New Era In Risk Management And Financial Protection

Author

Listed:
  • Corina-Ionela Dumitrescu

    (National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre Author-Name Adelina – Elena Bãdescu
    National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre)

  • Iuliana Grecu

    (National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre)

  • Nicoleta Niculescu

    (National University of Science and Technology POLITEHNICA Bucharest, Bucharest University Centre)

Abstract

Artificial Intelligence (AI) has become a crucial component in enhancing cyber resilience within the European banking sector. The rapid digital transformation has brought about significant cyber risks, necessitating advanced solutions for data protection, business continuity, and maintaining customer trust. AI plays a vital role in real-time anomaly detection, risk anticipation, and automated incident response, thereby optimizing threat defence and financial risk management through predictive analytics. Despite its benefits, AI's integration poses challenges related to data protection and ethical decision-making, requiring strict compliance with European and international legislation such as GDPR, NIS2 Directive, Basel III regulations, and the AI Regulation. This study offers a descriptive analysis and examines AI's impact on cyber resilience, highlighting its technological advantages and legal implications in the banking sector. Innovative models for AI implementation are explored to develop effective security and financial risk management mechanisms, emphasizing the need for proactive threat detection, operational efficiency, and adaptability to evolving cyber threats.

Suggested Citation

  • Corina-Ionela Dumitrescu & Iuliana Grecu & Nicoleta Niculescu, 2025. "Artificial Intelligence And Cyber Resilience In The Banking Sector. A New Era In Risk Management And Financial Protection," Scientific Bulletin - Economic Sciences, University of Pitesti, vol. 24(1), pages 25-42.
    • Handle: RePEc:pts:journl:y:2025:i::p1:25-42
    as

    Download full text from publisher

    File URL: http://economic.upit.ro/RePEc/pdf/2025_1_3.pdf
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • K24 - Law and Economics - - Regulation and Business Law - - - Cyber Law
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pts:journl:y:2025:i::p1:25-42. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Alina Hagiu (email available below). General contact details of provider: https://edirc.repec.org/data/fepitro.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.