journal-of-information-and-optimization-sciences Journal of Information and Optimization Sciences 2169-0103 0252-2667 Taru Publications 10.47974/JIOS-2062 AI-driven disruption in finance : Redefining work roles and economic opportunities in the banking system Singh Ajay School of Business and Management, Christ University (Deemed to be university), Bengaluru, Karnataka, India Kaur Arvinder School of Business and Management, Christ University (Deemed to be university), Bengaluru, Karnataka, India Kumar Pawan Department of Management, Graphic Era (Deemed to be university) University, Dehradun, Uttrakhand, India Kumar V. Hemant School of Commerce & Economics, Presidency University, Bengaluru, Karnataka, India 46 8 2477 2486 29 11 2025

AI adoption in the banking sector designates a transformative change where machine learning and AI mechanisms conventionally recognize work roles and business opportunities in the financial industry through automating operations and optimizing decision-making processes. AI enhances roles by which workforce structure can be recalibrated, skills can be improved, and government policies navigate the rapidly growing financial ecosystem. This research is an effort to find out the AI disruption in the financial sector through a structured survey of 200 professionals in the banking sector.

 Banking opportunities. Financial technology Transformation Machine learning and work roles access open retracted no