{"id":"https://openalex.org/W7201860786","doi":"https://doi.org/10.34020/1993-4386-2026-2-13-20","title":"The limits of AI agent autonomy in a bank: the economic paradox of cost reduction and loss growth","display_name":"The limits of AI agent autonomy in a bank: the economic paradox of cost reduction and loss growth","publication_year":2026,"publication_date":"2026-07-30","ids":{"openalex":"https://openalex.org/W7201860786","doi":"https://doi.org/10.34020/1993-4386-2026-2-13-20"},"language":"en","primary_location":{"id":"doi:10.34020/1993-4386-2026-2-13-20","doi":"https://doi.org/10.34020/1993-4386-2026-2-13-20","is_oa":true,"landing_page_url":"https://doi.org/10.34020/1993-4386-2026-2-13-20","pdf_url":"https://sfs.elpub.ru/jour/article/download/657/576","source":{"id":"https://openalex.org/S4387279216","display_name":"Sibirskaya finansovaya shkola","issn_l":"1993-4386","issn":["1993-4386"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Siberian Financial School","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://sfs.elpub.ru/jour/article/download/657/576","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5002302802","display_name":"T. N. Zverkova","orcid":"https://orcid.org/0000-0002-6540-6154","observed_orcids":["https://orcid.org/0000-0002-6540-6154"]},"institutions":[{"id":"https://openalex.org/I196486018","display_name":"Orenburg State University","ror":"https://ror.org/05b0f8e85","country_code":"RU","type":"education","lineage":["https://openalex.org/I196486018"]}],"countries":["RU"],"is_corresponding":true,"raw_author_name":"T. Zverkova","raw_affiliation_strings":["Orenburg State University"],"raw_orcid":"https://orcid.org/0000-0002-6540-6154","affiliations":[{"raw_affiliation_string":"Orenburg State University","institution_ids":["https://openalex.org/I196486018"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5002302802"],"corresponding_institution_ids":["https://openalex.org/I196486018"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":"2","first_page":"13","last_page":"20"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9110999703407288,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9110999703407288,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13904","display_name":"Artificial Intelligence Applications","score":0.027400000020861626,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T14260","display_name":"Impact of AI and Big Data on Business and Society","score":0.01899999938905239,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/ai-agents","display_name":"AI agents","score":0.7770000100135803},{"id":"https://openalex.org/keywords/banking-operations","display_name":"banking operations","score":0.7870000004768372},{"id":"https://openalex.org/keywords/decision-delegation","display_name":"decision delegation","score":0.578000009059906},{"id":"https://openalex.org/keywords/error-costs","display_name":"error costs","score":0.453000009059906},{"id":"https://openalex.org/keywords/diminishing-returns","display_name":"diminishing returns","score":0.6830000281333923}],"concepts":[{"id":"https://openalex.org/C195487862","wikidata":"https://www.wikidata.org/wiki/Q850210","display_name":"Revenue","level":2,"score":0.6442999839782715},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.6082000136375427},{"id":"https://openalex.org/C111335779","wikidata":"https://www.wikidata.org/wiki/Q3454686","display_name":"Reduction (mathematics)","level":2,"score":0.4634000062942505},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.44850000739097595},{"id":"https://openalex.org/C65414064","wikidata":"https://www.wikidata.org/wiki/Q484105","display_name":"Autonomy","level":2,"score":0.4325999915599823},{"id":"https://openalex.org/C2778820799","wikidata":"https://www.wikidata.org/wiki/Q3454688","display_name":"Cost reduction","level":2,"score":0.4034000039100647},{"id":"https://openalex.org/C127454912","wikidata":"https://www.wikidata.org/wiki/Q942582","display_name":"Cost\u2013benefit analysis","level":2,"score":0.3970000147819519},{"id":"https://openalex.org/C66882249","wikidata":"https://www.wikidata.org/wiki/Q169336","display_name":"Homogeneous","level":2,"score":0.37549999356269836},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.3111000061035156},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.3027999997138977},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.2890999913215637},{"id":"https://openalex.org/C200707436","wikidata":"https://www.wikidata.org/wiki/Q1053211","display_name":"Principal\u2013agent problem","level":3,"score":0.28209999203681946},{"id":"https://openalex.org/C119693030","wikidata":"https://www.wikidata.org/wiki/Q2180497","display_name":"Economic model","level":2,"score":0.2818000018596649},{"id":"https://openalex.org/C68359772","wikidata":"https://www.wikidata.org/wiki/Q185715","display_name":"Opportunity cost","level":2,"score":0.2703000009059906},{"id":"https://openalex.org/C42475967","wikidata":"https://www.wikidata.org/wiki/Q194292","display_name":"Operations research","level":1,"score":0.26750001311302185},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.26489999890327454},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.26409998536109924},{"id":"https://openalex.org/C2983830276","wikidata":"https://www.wikidata.org/wiki/Q942582","display_name":"Cost benefit","level":2,"score":0.2630000114440918}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.34020/1993-4386-2026-2-13-20","doi":"https://doi.org/10.34020/1993-4386-2026-2-13-20","is_oa":true,"landing_page_url":"https://doi.org/10.34020/1993-4386-2026-2-13-20","pdf_url":"https://sfs.elpub.ru/jour/article/download/657/576","source":{"id":"https://openalex.org/S4387279216","display_name":"Sibirskaya finansovaya shkola","issn_l":"1993-4386","issn":["1993-4386"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Siberian Financial School","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.34020/1993-4386-2026-2-13-20","doi":"https://doi.org/10.34020/1993-4386-2026-2-13-20","is_oa":true,"landing_page_url":"https://doi.org/10.34020/1993-4386-2026-2-13-20","pdf_url":"https://sfs.elpub.ru/jour/article/download/657/576","source":{"id":"https://openalex.org/S4387279216","display_name":"Sibirskaya finansovaya shkola","issn_l":"1993-4386","issn":["1993-4386"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Siberian Financial School","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7201860786.pdf","grobid_xml":"https://content.openalex.org/works/W7201860786.grobid-xml"},"referenced_works_count":15,"referenced_works":["https://openalex.org/W2108491286","https://openalex.org/W2157509893","https://openalex.org/W4206776955","https://openalex.org/W4323321883","https://openalex.org/W4386520690","https://openalex.org/W4405432725","https://openalex.org/W4406118730","https://openalex.org/W4412088323","https://openalex.org/W4412699219","https://openalex.org/W4413416447","https://openalex.org/W4413696618","https://openalex.org/W7118166774","https://openalex.org/W7127454821","https://openalex.org/W7130324257","https://openalex.org/W7150915946"],"related_works":["https://openalex.org/W7220885320","https://openalex.org/W7134917304","https://openalex.org/W7171738335","https://openalex.org/W4415385403","https://openalex.org/W4410891692","https://openalex.org/W7106233827","https://openalex.org/W4408772365","https://openalex.org/W7160328416","https://openalex.org/W4413759928","https://openalex.org/W7172103150"],"abstract_inverted_index":{"The":[0,36,151],"objective":[1],"of":[2,11,22,32,39,45,51,74,85,94,104,117,156],"this":[3],"study":[4,41],"is":[5,68,99,109,112,159],"to":[6,27,120,139],"justify":[7],"the":[8,23,29,33,40,46,49,58,72,75,83,92,102,115,121,163,168],"maximum":[9],"level":[10,155],"AI":[12,52,76,141],"agent":[13,53,77,122,142,157],"involvement":[14,158],"in":[15,101],"banking":[16,87],"operations,":[17,88],"at":[18,161],"which":[19,162],"further":[20],"reduction":[21],"employee's":[24],"role":[25,73],"ceases":[26],"improve":[28],"economic":[30],"evaluation":[31],"agent's":[34],"use.":[35],"methodological":[37],"basis":[38],"includes":[42],"mathematical":[43],"modeling":[44],"relationship":[47],"between":[48],"degree":[50],"involvement,":[54],"positive":[55],"results,":[56],"and":[57,81],"costs":[59,80,128,170],"incurred":[60],"when":[61],"a":[62,147],"repeatable":[63,173],"error":[64],"occurs.":[65],"Results.":[66],"It":[67,111],"shown":[69],"that":[70,114],"expanding":[71],"reduces":[78],"ongoing":[79],"accelerates":[82],"execution":[84],"standard":[86],"but":[89],"simultaneously":[90],"increases":[91,123],"cost":[93],"erroneous":[95],"logic":[96],"if":[97],"it":[98,108],"reproduced":[100],"flow":[103],"homogeneous":[105],"operations":[106,138],"until":[107],"detected.":[110],"substantiated":[113],"benefit":[116],"delegating":[118,137],"decisions":[119],"with":[124,172],"diminishing":[125],"returns,":[126],"while":[127],"increase":[129],"as":[130],"one":[131,160],"approaches":[132],"full":[133],"autonomy.":[134],"Conclusions.":[135],"Completely":[136],"an":[140],"should":[143],"not":[144],"be":[145],"considered":[146],"bank's":[148],"preferred":[149],"option.":[150],"most":[152],"economically":[153],"feasible":[154],"increased":[164,169],"revenue":[165],"still":[166],"outweighs":[167],"associated":[171],"errors.":[174]},"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-08-08T00:00:00"}