Innovations in the Financial Sphere: Performance Evaluation of Introducing Service Robots with Artificial Intelligence

Recently, there is a rapid transformation of the habitual way of life; the introduction of information and communication technologies into all areas has led to the formation of a new paradigm of interaction between people and digital technologies. The introduction of digital technologies provides an opportunity to raise management technology in all areas of economic development to a new qualitative level. Today, modern technologies are successfully implemented not only in production and the financial sector but also in the everyday life of a person, forcing him to take a fresh look at the interaction between machines and people. Currently, it is planned to cover all spheres of human life within Industry 4.0 by creating a unified information environment, by creating “smart production”, innovative cities, and completely changing the entire social infrastructure. One of the main components of this concept is the large-scale introduction of robots in not only industrial production, the financial sector, and the service sector, but also use them to perform personal tasks in everyday human life. The current level of robotics development in the world is analyzed in the article. The types of robots that exist today are considered. The global service robotics market is studied, its main parameters: volumes, growth rates, and the scope of service robots, key players are identified. Particular attention is paid to the introduction of service robots to financial institutions, identifying priority areas for their use in the financial sector. When introducing innovative investment projects, one of the main tasks is to evaluate the economic efficiency of the project. Therefore, a model based on the total cost of ownership approach is proposed in the article, which allows to assess the effectiveness of using service robots with artificial intelligence systems, to ensure customer interaction with financial institutions. Based on the modeling, it was found that the introduction and use of robotic systems with artificial intelligence in the field of legal issues in the implementation of a financial institution would provide savings of 21.9%.