Advanced International Journal of Multidisciplinary Research

E-ISSN: 2584-0487

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Artificial Intelligence and Operational Efficiency in Indian Banking: The Governance–Risk Nexus

Author(s) Prof. Rajesh H, Dr. Suvarna Nimbagal, Prof. Arogyaswamy Karadi
Country India
Abstract Artificial intelligence (AI) is increasingly embedded in banking operations to enhance efficiency, manage risk and handle growing digital transaction volumes. Although Indian banks have adopted AI-enabled applications, the degree to which these technologies are scaled across core operations varies significantly. Existing research largely focuses on AI adoption rather than organisational conditions that determine sustained operational impact. This study examines AI scaling through the lenses of operating models, governance maturity, and risk management effectiveness in Indian banking.
Using secondary data covering public, private and foreign banks (2019–2024), proxy indicators are constructed to assess AI investment intensity, governance capacity, and operational performance. Findings indicate that AI investment positively influences performance; however, its impact is significantly stronger in banks with mature governance frameworks. The governance–risk nexus linking AI expenditure to operational efficiency emerges as a central institutional mechanism shaping both performance gains and risk control outcomes. The study contributes by reframing AI in banking as an institutional scaling challenge rather than a purely technological one.
Keywords Artificial Intelligence, Banking Operations, Governance, Risk Management, Operational Efficiency
Discipline Other
Published In Volume 4, Issue 1, January-February 2026
Published On 2026-02-19
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