2025, Vol. 6, Special Issue 2
A study on AI tools to manage credit risk management in Indian private banks: A Bangalore region perspective
Author(s): Manjula Satish and Santhosh CH
Abstract: The integration of Artificial Intelligence (AI) into financial services has significantly reshaped how credit risk is assessed and managed. This study investigates the deployment and effectiveness of AI technologies in private sector banks located in the Bangalore region of India. It examines the use of AI methodologies—such as machine learning, natural language processing, and predictive analytics—in streamlining risk evaluation, accelerating decision-making, and minimizing non-performing assets (NPAs). The research combines primary data from banking professionals with secondary insights from academic and industry sources to evaluate the operational and strategic effects of AI. Findings suggest that AI substantially enhances credit scoring precision, expedites loan approvals, and strengthens early risk detection systems. Nevertheless, the study also identifies persistent barriers, including data reliability concerns, regulatory hurdles, and workforce training gaps. It concludes with recommendations to support ethical and effective AI integration in credit risk functions, with implications for policy, practice, and future exploration.
DOI: 10.22271/27084515.2025.v6.i2Sc.699
Pages: 231-234 | Views: 134 | Downloads: 46
Download Full Article: Click Here
How to cite this article:
Manjula Satish, Santhosh CH. A study on AI tools to manage credit risk management in Indian private banks: A Bangalore region perspective. Asian J Manage Commerce 2025;6(2S):231-234. DOI: 10.22271/27084515.2025.v6.i2Sc.699
Other Journals