| Abstract [eng] |
In recent years, the integration of technological advancements and the increasing reliance on artificial intelligence have highlighted the importance of automated solutions in improving operational efficiency and user experience. This paper focuses on integrating artificial intelligence models into intelligent virtual assistants, especially in the financial services sector, to address the challenge of automating loan risk assessment. The main problem is how artificial intelligence models can be effectively integrated into virtual assistants to automate and optimize the financial risk assessment of loan applicants. Current research reveals significant progress in AI-based customer service tools, but applying these technologies to financial risk assessment using virtual assistants is still unexplored. Reliance on traditional, often manual, risk assessment methods limit efficiency and scalability. This study explores the potential of AI models to improve risk assessment processes by designing and integrating them into a prototype virtual assistant. By analyzing the existing literature and methodologies, the paper identifies key challenges, including the need for accurate, secure, and personalized financial assessments. The study explores mathematical models and machine learning methods for debt repayment and loan risk assessment scenarios. The result of this research is a prototype of a virtual assistant that can use artificial intelligence to assess financial risks and provide actionable recommendations. By integrating these capabilities, the prototype ensures more efficient and reliable risk assessment, thereby improving decision-making processes for both service providers and customers. This approach contributes to the growing application of artificial intelligence in financial services, highlighting the innovation and practical benefits of virtual assistants in solving complex financial challenges. |
