PATHWAYS FOR DEVELOPING DIGITAL FINANCIAL SERVICES OF COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE IN THE CONTEXT OF THE GREEN ECONOMY
Abstract
The convergence of digital transformation, artificial intelligence (AI) and the green economy transition has created an unprecedented opportunity for commercial banks to redefine their service architecture and reposition themselves as agents of sustainable economic development. This study investigates the strategic pathways through which commercial banks can develop their digital financial services (DFS) on the basis of AI technologies in the context of the green economy. A sequential mixed-methods design was employed, combining a structured survey of 30 commercial banks across nine countries (response rate 86.7 %), a three-round Delphi consensus exercise involving 18 international experts in digital banking and sustainable finance, in-depth case studies of five leading institutions, and a composite Digital-AI-Green Maturity Index (DAGMI) constructed from 24 indicators. The empirical results demonstrate that AI-enabled DFS deliver substantial measurable benefits: a 78 % reduction in per-transaction carbon footprint compared with branch-based service delivery, a 42 % uplift in customer engagement with green-labelled financial products, a 36 % improvement in operational efficiency, and a 2.8-fold increase in environmentally aware customer behaviour as captured by behavioural analytics.
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