فهرست نشریات علمی دسترسی آزاد ایران

The fusion of Artificial Intelligence (AI) and the Internet of Things (IoT), known as AIoT, is revolutionizing industries by combining real-time data collection with intelligent decision-making. The banking sector stands to gain significantly from this paradigm, addressing challenges such as operational inefficiencies, cybersecurity threats, and limited personalization. This paper proposes an innovative model for a modern intelligent banking system powered by AIoT. The model integrates IoT-enabled devices, edge computing, machine learning algorithms, and secure cloud infrastructure to deliver personalized, adaptive, and secure banking services. Key features include real-time fraud detection, biometric authentication, predictive analytics for financial decision-making, and intuitive AI-driven customer interactions. A case study is presented to validate the model's effectiveness, demonstrating improved transaction efficiency, enhanced user experience, and strengthened security. This research highlights the transformative potential of AIoT in creating customer-centric, secure, and scalable banking solutions for the digital era. Future research directions are also discussed.