AI-enhanced financial services and virtual interaction oversight for modernized digital assistance

Ghodke, Sridhar and Akter, Jasmin and Roy, Ashutosh and Ara, Jannat (2025) AI-enhanced financial services and virtual interaction oversight for modernized digital assistance. International Journal of Science and Research Archive, 15 (3). pp. 940-948. ISSN 2582-8185

The increasing digitalization of financial services and remote interactions has seen artificial intelligence (AI) become integral to delivering support. This study examines how AI-driven technologies—such as machine learning algorithms and predictive analytics—can bolster financial assistance, improve risk management, and enhance user experiences in both the finance sector and virtual client servicing environments. By automating processes like credit scoring, fraud detection, virtual customer interactions, and behavioral analysis, institutions provide support systems that are more efficient, secure, and personalized. Additionally, AI-powered virtual visitor monitoring platforms are emerging as essential tools in telebanking and digital financial advising, ensuring robust identity verification, compliance checks, and real-time engagement with clients. This research contributes to the growing literature on AI’s potential to transform traditional financial and remote interaction models by proposing a hybrid framework that optimizes financial aid delivery and client oversight simultaneously. Using recent technological advancements and illustrative case studies, we analyze system effectiveness, ethical implications, and future implementation challenges.