The Economic Impact of Artificial Intelligence on Operational Risk Efficiency in Islamic Banks: A Comparative Study of GCC Countries

الملخص

This study aims to analyze the impact of Artificial Intelligence (AI) on the efficiency of operational risk management in Islamic banks, focusing on a comparative case study across the Gulf Cooperation Council (GCC) countries. In the context of rapid technological advancement, operational risks, including Sharia non-compliance risks, have become increasingly complex. The study reviews the literature on the role of AI in enhancing risk prediction accuracy, automating compliance processes, and improving operational transparency (Gustanto, 2025) (Artificial Intelligence and Islamic Finance, 2025). Through a comparative analytical methodology, the research seeks to identify differences in AI adoption strategies among Islamic banks in the GCC and assess their effect on operational risk efficiency indicators. The study concludes that the adoption of AI technologies, provided they align with Sharia principles (Khediri, 2015), significantly enhances the resilience of Islamic banks and their ability to detect operational and financial risks early (Khan et al., 2022), contributing to a sustainable competitive advantage.