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@article{196134,
        author = {J. Anupama},
        title = {Corporate Governance, Ethical Practices, And Regulatory Compliance in The Adoption of Ai and Big Data in The Indian Banking Sector a Conceptual Approach},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {no},
        pages = {57-64},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=196134},
        abstract = {The rapid adoption of Artificial Intelligence (AI) and Big Data technologies has significantly transformed the functioning of the Indian banking sector. These technologies enhance operational efficiency, improve risk assessment, enable data-driven decision-making, and strengthen customer service through advanced analytics and automation. However, the integration of AI and Big Data also raises critical concerns related to corporate governance, ethical practices, and regulatory compliance. Effective corporate governance frameworks are essential to ensure transparency, accountability, and responsible decision-making in the deployment of these technologies.
A move from traditional, manual, paper-based banking operations to a data-driven approach known as "Banking 4.0" is represented by the integration of artificial intelligence (AI) and big data. The need to manage enormous amounts of data, improve consumer experiences, and stop rising financial crime is what is driving this change. Banks may transition from rule-based, retrospective systems to proactive, predictive, and real-time decision-making by combining AI and Big Data. Earlier banks used to rely on manual operations and data entry. Today due to the mammoth size of volume in transactions, velocity, variety, and veracity are supplemented to create a comprehensive real-time portrait of customer behavior, which is essential for personalized services and improved risk.},
        keywords = {Corporate Governance, Artificial Intelligence in Banking, Big Data Analytics, Ethical Banking, Regulatory Compliance, Indian Banking Sector.},
        month = {March},
        }