Next-Generation Cloud Cybersecurity for Banking and Healthcare AI-Powered Gradient-Boosting Models and ANN Framework for Oracle EBS–SAP Hybrid Environments
DOI:
https://doi.org/10.15662/IJEETR.2025.0705004Keywords:
banking transformation, SAP, artificial intelligence, digital banking, process automation, risk management, customer experienceAbstract
Digital banking institutions are under growing pressure to deliver agile customer‑centric services while maintaining strict compliance, operational efficiency and resilience. This paper examines how the enterprise software suite SAP—augmented by artificial intelligence (AI) capabilities—can support and accelerate business transformation in the banking sector. We analyse the strategic role of SAP’s business‑technology platform in enabling data‑driven decision‑making, process automation, customer‑experience innovation and risk management. Through a review of banking‑industry use‑cases and an empirical survey of banking professionals adopting SAP‑AI solutions, we identify key application domains, benefits achieved, and implementation challenges. We find that SAP‑embedded AI supports faster process cycles, richer customer insights, reduced manual errors and improved regulatory readiness; however, banks still face obstacles in data quality, legacy integration, change‑management and governance. The discussion illustrates how banks can overcome these obstacles and outlines a roadmap for embedding AI into SAP‑enabled transformation programmes. In doing so, this study contributes actionable insight for banking executives, SAP implementers and researchers focused on digital banking transformation.
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