The banking industry faces challenges in adapting

The gap

Evidence profile

Sourced from the recommendations and stated challenges of the source papers, classified as general, spanning 3 journals.

Supporting evidence — 3 representative gaps

• The Impact Of Artificial Intelligence (AI) On The Labor Market In The Banking And Finance Sector (2026) · Journal of European Economic History · doi

  For financial and banking businesses: In the context of Vietnam's increasing integration with the region and the world, foreign investors are investing more and more in Vietnam's information technology sector. Foreign investors tend to cooperate with Vietnamese information technology businesses. Vietnamese information technology businesses can collaborate, outsource, and partner with international information technology corporations to integrate Vietnamese applications in sales and integrate Vietnamese applications this collaboration helps increase business value, anticipating the digitalization trend in line with government policy. Financial and banking businesses need to consider expanding their company scale and choosing appropriate investment options in software and hardware utilizing artificial intelligence (AI). into international applications. Furthermore, For government agencies: Firstly, promote Reskilling & Upskilling: The government and businesses need to invest heavily in short-term and long-term training programs, focusing on digital skills, data science, and information technology for current workers. Secondly, adjusting the education system: Reforming the curriculum from primary to university level, integrating Computational Thinking and AI/data knowledge to prepare the younger generation. Thirdly, encouraging innovation: Creating a favorable environment framework, investment capital) for domestic technology companies to develop "Make in Vietnam" AI solutions, boosting the demand for AI human resources. Fourthly, flexible social security policies: Building a solid social safety net and policies to support career transitions for displaced workers. (legal Fifth, maximizing socio-economic development based on AI technology needs to be based on the specific circumstances of each country, including Vietnam. According to recent studies, the entrepreneurial spirit will have a positive impact on job development, increased labor productivity, opening up opportunities for innovation and growth in the current era of technological development. To foster this spirit, Vietnamese policymakers need to focus on developing simple, specific policies, using taxes and other incentives to promote the formation and development of small, medium, and micro-enterprises, creating opportunities for workers to start their own businesses. https://unicredit-capitalia.eu/ 464 J Euro Eco His. ISSN : 0391-5115 Volume 7, Issue 2 ( 2026) Sixth, the issue of transforming and training human resources to serve socio-economic development in the era of AI and automation applications will require a synchronized solution between the state, businesses, and universities. As AI and automation develop and are widely applied in various aspects of life, economy, and society, they will create many new jobs but will also change, or even replace, a large number of old jobs, especially simple, repetitive manual labor. In Vietnam, the government is implementing policies to support and invest in human resource training within the education system to meet the emerging demands in the fields of information technology and artificial intelligence. Seventh, social security issues need special attention for the workforce in industries heavily impacted by AI. Vietnamese policymakers need to prepare budgets to support retraining and promote lifelong learning for the workforce undergoing transformation, creating incentives for job creation in parallel with national plans, especially those requiring a large unskilled workforce. Training institutions must coordinate with businesses to develop training plans that are appropriate to the capabilities and requirements of the workforce, while also being cost-effective, thereby contributing to solving the workforce transformation problem for society as a whole. Eighth, to ensure continued socio-economic development and prosperity for Vietnam, alongside leveraging the achievements of AI and automation technology, policymakers need to promptly consider solutions to social challenges in the rapid and powerful process of the Fourth Industrial Revolution.

  generalrecommendationsevidence 5/5
  Keywords: technology businesses vietnam information vietnamese need development training workforce applications government social policies promote workers
• Artificial Intelligence as a Driver of Business Performance in the Nigerian Financial Services Sector (2026) · Global Journal of Artificial Intelligence and Technology Development · doi

  Based on the findings of the study, the following recommendations are made: The banks need to speed up the implementation of AI-based tools and systems like automation, predictive analytics, and chatbots to boost operational efficiency and boost customer service. 32 Global Journal of Artificial Intelligence and Technology Development | ISSN: 3027-0502 Vol. 4, Issue 2 (2026) | https://doi.org/10.46654/qx763481 Financial institutions should commit to ongoing training and capacity development initiatives to ensure their staff members possess the essential skills and knowledge in digital and AI technologies needed to work with new technologies. AI-powered customer service tools that boost personalization, response speed, and customer satisfaction and loyalty should be implemented by banks. The use of AI technology should be embedded in the overall business strategy of financial institutions and not viewed as a separate technological solution to ensure the greatest possible contribution to productivity and corporate performance. To support successful, secure, and sustainable AI implementation, management should make sure that supporting infrastructure, such as digital systems, cybersecurity, and data management, are in place.

  generalrecommendationsevidence 5/5
  Keywords: boost customer based banks speed implementation tools systems service technology development financial institutions ensure digital
• ARTIFICIAL INTELLIGENCE IN DIGITAL BANKING: APPLICATIONS AND IMPLICATIONS FOR LABOR TRANSFORMATION (2026) · Tạp chí Khoa học Đại học Công Thương · doi

  The banking industry faces challenges in adapting to the rapid development of digital technologies. The industry needs to develop hybrid capabilities in finance, technology, and data to remain competitive. The industry needs to assess the labor implications of AI deployment to ensure sustainable labor transformation.

  generalstated challengesevidence 5/5
  Keywords: banking industry faces challenges adapting rapid development digital

Questions about this gap