Determination of intellectual activity in solving the problems of bank functioning optimization

• Main Author: Davyd Dabahian
• Format: Article
• Language: English
• Published: PC Technology Center 2019-10-01
• Series: Tehnologìčnij Audit ta Rezervi Virobnictva
• Subjects: effective bank-client relations; intelligent system; optimization of the bank’s functioning; investment distribution
• Online Access: http://journals.uran.ua/tarp/article/view/183301

The object of research is the process of functioning of a commercial bank. One of the most problematic places is optimization of the bank's work in accordance with the requirements of customers in conditions of limited resources, that is, how to distribute a certain amount of investment in various areas of the bank's business in an optimal way. This should be understood as the maximum customer satisfaction with the Bank’s functioning process. It is also necessary to the importance of areas of activity depending on customer feedback – by collecting customer information, such as complaints, suggestions, survey results, etc. Such data are not intelligent, they must be formalized and on this basis a strategy for the functioning of the bank for a certain period of time should be built. During the study, an upward approach to the creation of artificial intelligence systems was used. On the basis of non-intellectual data (bank subsystems, client data, statistics), information is determined for building intellectual activity regarding decision-making on optimizing the functioning of the bank as a whole, as a unified system, that is, building the optimal strategy for the bank. As a research result, a project of an intellectual system is obtained, which is designed to build an optimal strategy of activity in the conditions of limited resources. Structuring and formalizing knowledge are made to fill the knowledge base of this system. The optimal option for this research is recognized as a formal logical model based on the construction of first-order predicates. Thanks to this, it is possible to implement an intelligent system to solve the problem of the distribution of bank domestic investments in an optimal way, that is, with the maximum increase in customer satisfaction. Using this system in practice should help the bank management to allocate a certain amount of domestic investment in the bank's business areas in an optimal way, guided by the wishes of customers.