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

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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
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    References listed on IDEAS

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    1. Ali ESRE & Ayhan KAPUSUZOGLU & Nildag Basak CEYLAN, 2022. "Participation Banking And Its Contributions To The Turkish Economy," Scientific Bulletin - Economic Sciences, University of Pitesti, vol. 21(3), pages 91-96.
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      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

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