Publication Details
Journal: International Conference of Economics, Finance and Accounting Studies
Issue: Vol 27, No (2026)
Pages: 47-50
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Abstract

Digital transformation in banks and financial institutions introduces new operational risks while improving efficiency and process automation. Technologies such as AI, machine learning, blockchain, and RPA enhance service delivery but may also create cybersecurity, system, and data vulnerabilities. This study examines the impact of digital transformation on operational risk and highlights strategies to balance innovation with risk mitigation.

Keywords
Digital Transformation Operational Risk Banking Sector Artificial Intelligence (AI) Machine Learning (ML) Cloud Computing Blockchain Robotic Process Automation (RPA) Cybersecurity Risk Mitigation Financial Institutions Governance Process Optimization Data Security Technological Adoption
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