Disruptive Artificial Intelligence Technologies in Automated Self Service Digital Platforms.
The use of Blockchain in the Banking Sector in Zimbabwe
DOI:
https://doi.org/10.63726/jmsit.v2i1.350Keywords:
Artificial intelligence, Automation, Banks, Blockchain, Self-Service.Abstract
The rapid advancement of AI capabilities has brought the disruptive potential of this technology into sharper focus in Zimbabwe. In the banking sector, disruptive AI is being used to automate a wide range of tasks, from trading decisions to fraud detection. The rapid progress of disruptive AI has also raised a number of ethical and societal concerns. In response to these concerns, policymakers and researchers have been working to develop ethical frameworks and governance structures to ensure that disruptive AI is developed and deployed in a responsible and equitable manner. The study explores the transformative role of the disruptive technology of AI and use of blockchain in Zimbabwe’s digital banking sector, focusing on how automated self-service platforms can be shaped by these technologies in online transactions. It adopts a qualitative approach. Data was collected through online interviews with bank managers, and also through the use of literature and document analysis. The target population for the study consisted of 16 individual banks (both Commercial and Building Societies. The data collected from the primary sources was analysed using a thematic analysis approach. The study found out that artificial intelligence technologies have profoundly reshaped the banking sector, ushering in a new era of automated, mobile-based self-service banking transactions. The conclusion of the study is that although disruptive AI and blockchain technologies have the potential to revolutionize Zimbabwe's banking industry by improving efficiency and accessibility, they also present considerable challenges, such as financial exclusion and cybersecurity threats. Tackling these issues necessitates cooperative initiatives to create strong ethical frameworks that emphasize accountability and transparency.
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