AI-Driven Banking Technologies: Exploring Consumer Adaptation and Sentiments towards Future Finance

Financial institutions are being reformed by AI which helps streamline tasks, improves customer interactions and encourages new financial ideas. Banks now use predictive analytics, chatbots for customer service, technology used for catching fraud and personal advice on money management. This study investigates how consumers adapt to AI in banking and looks at their feelings about these developments. It applies mixed methods by using surveys, interviews and sentiment analysis, helping it to understand consumers and what they prefer. It was found that individuals like the benefits AI brings, for example, being quick, customizable and easy, but many people are still worried about how safe their data is and about ethical and trustworthy issues. It highlights the aspects that financial institutions must handle such as strengthening trust, providing transparent AI and delivering solutions adjusted to customer groups. The results can guide banks, fintech start-ups and policymakers in making AI-based banking technologies more accepted by consumers. Studies in the future might look at how blockchain and quantum computing help with consumer issues and increase the use of AI in financial sectors.