C.O.R.E. AI–ML Integration in Banking: A Conceptual Framework for Cognitive Transformation

DOI

10.2991/978-94-6239-676-0_6How to use a DOI?

Keywords

Artificial intelligence; Banking; AI–ML integration; conceptual framework

Abstract

This paper is a conceptual treatise on how banks can integrate artificial intelligence and machine learning into one unified system based on a framework that is pegged on four pillars that are stable: Customer Experience, Operational Intelligence, Risk Management, and Financial Innovation (C.O.R.E.). Instead of listing these tools as a collection of gadgets, they are viewed as an engine of strategic action to power the digital agenda of the bank. The model aims at uniting the use of AI-ML to the entirety of the banking. Each of the pillars is discussed as an independent area of focus and a dynamic node in a networked system as a cognitive structure to facilitate smart and adaptive banking processes. The paper is centered around end-to-end interoperability, explainable AI, ethical compliance, and responsiveness to the changes in the market and regulatory framework in real-time. It determines how AI-ML can move beyond standalone applications to embedded and self-reinforcing systems that enhance customer trust, operational resilience, and risk management by looking forward through the analysis of real-world use cases and the incorporation of multidisciplinary theory. As opposed to earlier models that address AI as a component add-on, the C.O.R.E. model introduces a new federated model where intelligence in one pillar dynamically informs and strengthens the others, making a bank an AI-native institution that can learn and innovate.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Shubham Gairola
AU  - Rinki Joshi
AU  - Vaishali Aswal
PY  - 2026
DA  - 2026/05/15
TI  - C.O.R.E. AI–ML Integration in Banking: A Conceptual Framework for Cognitive Transformation
BT  - Proceedings of the 13th International Youth Conference in the series of “Youth for India @2047, AI Disruption and Opportunities: Preparing Youth for Global Challenges (IYC 2026)
PB  - Atlantis Press
SP  - 73
EP  - 91
SN  - 1951-6851
UR  - https://doi.org/10.2991/978-94-6239-676-0_6
DO  - 10.2991/978-94-6239-676-0_6
ID  - Gairola2026
ER  -