Vision AI in U.S. Banking: Navigating Innovation, Compliance, and Ethical Governance

Author(s)	Mr. JATIN JOSHI
Country	India
Abstract	Vision AI—computer vision, facial recognition, document image analysis, and related visual intelligence that offers banking a powerful set of tools to enhance customer onboarding, fraud prevention, operational efficiency, and customer experience. Yet its deployment carries challenges in bias, privacy, regulation, and technical robustness. This article reviews the state of vision AI in banking, documents recent research advances, identifies gaps, and proposes future research directions. The write-up draws from recent papers, case studies, and technical advances to humanize what these technologies mean in practice and not just what they can do.
Keywords	Vision Artificial Intelligence (Vision AI); Banking Technology; Computer Vision in Finance; Biometric Authentication; Deep Learning; Ethical AI Governance; Federated Learning; Bias Mitigation; Explainable AI (XAI);Financial Fraud Detection; Sustainable AI; Human–AI Collaboration; Deepfake Detection; AI Regulation and Compliance; Multimodal Fusion Systems; Privacy-Preserving Machine Learning; Digital Transformation in Banking; Global AI Ethics; Green AI
Field	Computer > Artificial Intelligence / Simulation / Virtual Reality
Published In	Volume 17, Issue 1, January-March 2026
Published On	2026-02-18

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