A mesterséges intelligencia komplex hatása pénzügyi szolgáltatásokban - Dilemmák, profitabilitás és hosszú távú hatások

Metadata

Author(s): Sárközy Helga, Prof. Dr. Zéman Zoltán

Publisher: Nemzetközi Oktatási és Kutatási Központ Alapítvány

Volume: July 2025

Volume number: 34

Issue number: 7

Journal: Hungarian Quality Journal

ISSN (Print): ISSN 1416‑9576

ISSN (Online): ISSN 1789-5510

Pages: 58–66

Keywords: artificial intelligence, financial services, profitability, trust, agency system, digital transformation, financial inclusion

Abstract

Artificial intelligence (AI) is no longer merely a complementary technology in financial services, but a systemic factor that is fundamentally reshaping the sector. The use of AI creates efficiency and new business opportunities, but at the same time poses serious dilemmas for service providers in terms of maintaining profitability and preserving trust. On the one hand, the study examines from the service provider’s perspective how agent-based systems are transforming sources of profitability, how they are increasing competitive market pressure, and what risks the transformation of pricing and revenue models may entail for banks, payment service providers, foreign exchange market participants, and lenders. On the other hand, it also provides insight into the individual perspectives of users. The analysis points out that although the integration of AI increases efficiency and competitiveness in the short term, in the longer term the weakening of traditional revenue structures and fluctuations in social trust may result in systemic challenges. The research emphasizes that the key to sustainable development is building trust, adapting to regulatory frameworks, and strengthening inclusive financial services.

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References

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The complex impact of artificial intelligence on financial services – Dilemmas, profitability, and long-term effects

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Abstract

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