ประสิทธิภาพของธนาคารพาณิชย์ไทยและการประยุกต์ใช้ปัญญาประดิษฐ์ในแอพพลิเคชั่น

Abstract

The objectives of this research were 1) to measure the technical efficiency of commercial banks providing services in Thailand, 2) to study the impact of the application of artificial intelligence on the technical efficiency of commercial banks. It will determine the technical efficiency scores of 10 Thai commercial banks between 2014 and 2019. Data is analyzed using the Stochastic Frontier Approach (SFA) to estimate the Technical Efficiency (TE). The use of AI in providing services through applications affects the efficiency of banking TE techniques. In the study of Objective 2, Panel Fixed Effects regression Model and Panel Random Effects regression Model were used to estimate the effects of artificial intelligence variables. in applications that affect the efficiency of Thai commercial banks The results of independent research can be summarized as follows. It was found that the total assets of commercial banks Loans to customers have technical efficiency scores in line with net income. Total Liabilities of Commercial Banks Total owners' equity of commercial banks has a technical efficiency score in the opposite direction of net income. Kasikorn Bank And Siam Commercial Bank has the highest technical efficiency score in the six-year period from 2014 to 2019, Bank of Ayudhya has the least. But most commercial banks give technical efficiency scores greater than 0.6, which banks need to improve in various areas. for higher technical efficiency scores. There are a number of commercial banks applying for loans through applications and Number of sales and marketing through applications This results in a high technical performance rating. The two investment-related factors, i.e. commercial banks' net investments and commercial banks' research and development (AI) budgets, had high technical efficiency scores. It was found that AI investment and research expenditures can significantly increase commercial banks' technical efficiency scores by nearly 2 times. Therefore, commercial banks today should turn their attention to investing in research and development budgets.