نوع مقاله : پژوهشی
نویسندگان
1 دانشگاه نفت تهران
2 کارشناسی ارشد بانکداری اسلامی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبایی
چکیده
عنوان مقاله [English]
نویسندگان [English]
The variety of products and services in the competitive world is a requirement of knowledge-based businesses, in this regard, information and communication technology, artificial intelligence, machine learning, and smart consultants have come to help customers. The importance of consultants to provide Islamic and ethical financial products and services is doubled because they reduce the complexity of the processes in this field.
In this study, firstly, the model of intelligentization in the supply of Islamic financial products and services is presented, then the processes, operators of machine learning algorithms are introduced in the evolution of patterns of adaptation to the needs of ethical-oriented customers and banking services and products. To explain the intelligentization processes, demographic information vectors, financial goals, behavioral information of customers using open banking platforms are introduced for validation purposes. Products and services grouped in the form of platforms in the form of genetic zero and one numeric strings containing the general characteristics of the product in the population space as input to machine learning algorithms are ready to evolve to reach a specific pattern accepted by customers. In the following, a product that matches the customer's behavioral and Shariah characteristics will be offered to the customer by the intelligent consultants in accordance with Shariah (SCIA). In case of mismatch, the genetic codes continue to evolve in the next generations of the product, and this cycle continues through machine learning to provide a product that matches the behavioral characteristics of ethical customers and to minimize the mismatch error.
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