Artificial Intelligence (AI) has emerged as one of the most influential technologies transforming the global banking industry. The increasing adoption of AI-powered technologies in private banking systems has significantly improved operational efficiency, customer experience, fraud detection, cybersecurity, and sustainable banking practices. The present study examines the role of Artificial Intelligence in transforming private banking systems for sustainable development. Primary data were collected from 100 respondents using a structured questionnaire based on AI-based service efficiency, AI-driven customer experience, AI-enabled risk management, and AI support for sustainable banking practices. Statistical tools such as descriptive statistics, reliability analysis, correlation analysis, and multiple regression analysis were applied through SPSS. The findings indicate that all AI-related variables positively and significantly influence the transformation of private banking systems. Among all variables, AI-driven customer experience emerged as the most influential factor. The study concludes that AI plays a significant role in enhancing sustainable banking operations, improving customer satisfaction, strengthening risk management systems, and promoting long-term growth and competitiveness in private banking institutions.
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