JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT 2782-4586 2949-1851 99440 10.26118/2782-4586.2025.42.54.043 Научные статьи SCIENTIFIC ARTICLES Научные статьи Business processes that are most susceptible to the effective implementation of artificial intelligence-based tools in the digital economy Бизнес-процессы, наиболее подверженные эффективному внедрению инструментов на основе искусственного интеллекта в условиях цифровой экономики Идрисов Арсен Идрисович Idrisov Arsen Idrisovich Московский финансово-промышленный университет «Синергия» Moscow Financial-Industrial University «Synergy» 3 275 283 https://jomeam.ru/en/nauka/article/99440/view

В статье представлены результаты систематического анализа доказанных примеров успешного практического внедрения технологических решений на базе искусственного интеллекта в ключевые бизнес-процессы компаний, работающих в условиях современной цифровой экономики. Все приведенные примеры прошли обязательную количественную верификацию достигнутых результатов по состоянию на начало 2025 года. Были выявлены и проанализированы направления бизнеса, в которых применение нейросетевых алгоритмов демонстрирует максимальную эффективность. Среди них можно выделить: клиентский сервис, маркетинг, разработка программного обеспечения, финансовые технологии, здравоохранение и логистика. На основании эмпирических данных определены ключевые факторы, влияющие на успешную интеграцию программных решений на основе ИИ в деятельность компаний. Рассмотрены перспективы применения нейросетевых инструментов в условиях российской экономики, реализующей стратегию догоняющего развития.

The article presents the results of a systematic analysis of proven examples of successful practical implementation of technological solutions based on artificial intelligence in key business processes of companies operating in the modern digital economy. All of these examples have passed mandatory quantitative verification of the results achieved as of early 2025. The business areas in which the use of neural network algorithms demonstrates maximum efficiency have been identified and analyzed. Among them are: customer service, marketing, software development, financial technology, healthcare and logistics. Based on empirical data, key factors influencing the successful integration of AI-based software solutions into companies' activities have been identified. The prospects of using neural network tools in the context of the Russian economy implementing a catch-up development strategy are considered.

 цифровая экономика нейросетевые технологии машинное обучение автоматизация бизнес-процессов производительность труда внедрение ИИ экономический рост digital economy neural network technologies machine learning automation of business processes labor productivity introduction of AI economic growth

Байрамов С. Интернет-банкинг в условиях цифровизации экономики / С. Байрамов, Н. И. Ломакин // Взаимодействие предприятий и вузов – наука, кадры, новые технологии : сборник докладов XVII межрегиональной научно-практической конференции, Волжский, 12–13 мая 2022 года / отв. за выпуск Г. М. Бутов. – Волжский : Волгоградский государственный технический университет, 2022. – С. 91–93. – EDN NTWYEU. Bayramov S. Internet-banking v usloviyah cifrovizacii ekonomiki / S. Bayramov, N. I. Lomakin // Vzaimodeystvie predpriyatiy i vuzov – nauka, kadry, novye tehnologii : sbornik dokladov XVII mezhregional'noy nauchno-prakticheskoy konferencii, Volzhskiy, 12–13 maya 2022 goda / otv. za vypusk G. M. Butov. – Volzhskiy : Volgogradskiy gosudarstvennyy tehnicheskiy universitet, 2022. – S. 91–93. – EDN NTWYEU. Стародубцева Е. Б. Модели догоняющего развития: возможности для России / Е. Б. Стародубцева // Ученые записки Крымского федерального университета имени В.И. Вернадского. Экономика и управление. – 2020. – Т. 6, № 3. – С. 112–119. – EDN JCCCYW. Starodubceva E. B. Modeli dogonyayuschego razvitiya: vozmozhnosti dlya Rossii / E. B. Starodubceva // Uchenye zapiski Krymskogo federal'nogo universiteta imeni V.I. Vernadskogo. Ekonomika i upravlenie. – 2020. – T. 6, № 3. – S. 112–119. – EDN JCCCYW. Яков и Партнеры, Яндекс. Искусственный интеллект в России – 2023: тренды и перспективы. – 2023. – URL: https://www.yakov.partners/upload/iblock/c5e/c8t1wrkdne5y9a4nqlicderalwny7xh4/20231218_AI_future.pdf (дата обращения: 29.03.2025). Yakov i Partnery, Yandeks. Iskusstvennyy intellekt v Rossii – 2023: trendy i perspektivy. – 2023. – URL: https://www.yakov.partners/upload/iblock/c5e/c8t1wrkdne5y9a4nqlicderalwny7xh4/20231218_AI_future.pdf (data obrascheniya: 29.03.2025). Adhvaryu, A. The Path to Generative AI Value Begins with a Workforce Diagnostic / A. Adhvaryu, A. Bailey, F. Breitling, T. Fenton, J. Koike. – Boston Consulting Group, 2023. – URL: https://www.bcg.com/publications/2023/assessing-the-impact-of-generative-ai-on-workforce-productivity (дата обращения: 29.03.2025). Adhvaryu, A. The Path to Generative AI Value Begins with a Workforce Diagnostic / A. Adhvaryu, A. Bailey, F. Breitling, T. Fenton, J. Koike. – Boston Consulting Group, 2023. – URL: https://www.bcg.com/publications/2023/assessing-the-impact-of-generative-ai-on-workforce-productivity (data obrascheniya: 29.03.2025). Ayers, J. W. Comparing Physician and Artificial Intelligence Chatbot Responses to Patient Questions Posted to a Public Social Media Forum / J. W. Ayers, A. Poliak, M. Dredze et al. // JAMA Internal Medicine. – 2023. – Vol. 183(6). – P. 589–596. – DOI: 10.1001/jamainternmed.2023.1838. Ayers, J. W. Comparing Physician and Artificial Intelligence Chatbot Responses to Patient Questions Posted to a Public Social Media Forum / J. W. Ayers, A. Poliak, M. Dredze et al. // JAMA Internal Medicine. – 2023. – Vol. 183(6). – P. 589–596. – DOI: 10.1001/jamainternmed.2023.1838. Baily, M. N. Machines of mind: The case for an AI-powered productivity boom / M. N. Baily, E. Brynjolfsson, A. Korinek. – Brookings, 2023. – URL: https://www.brookings.edu/articles/machines-of-mind-the-case-for-an-ai-powered-productivity-boom/ (дата обращения: 29.03.2025). Baily, M. N. Machines of mind: The case for an AI-powered productivity boom / M. N. Baily, E. Brynjolfsson, A. Korinek. – Brookings, 2023. – URL: https://www.brookings.edu/articles/machines-of-mind-the-case-for-an-ai-powered-productivity-boom/ (data obrascheniya: 29.03.2025). Brynjolfsson, E. Generative AI at Work / E. Brynjolfsson, D. Li, L. R. Raymond // NBER Working Paper No. 31161. – National Bureau of Economic Research, 2023. – URL: https://www.nber.org/system/files/working_papers/w31161/w31161.pdf (дата обращения: 29.03.2025). Brynjolfsson, E. Generative AI at Work / E. Brynjolfsson, D. Li, L. R. Raymond // NBER Working Paper No. 31161. – National Bureau of Economic Research, 2023. – URL: https://www.nber.org/system/files/working_papers/w31161/w31161.pdf (data obrascheniya: 29.03.2025). Carobene, A. Rising adoption of artificial intelligence in scientific publishing: evaluating the role, risks, and ethical implications in paper drafting and review process / A. Carobene, A. Padoan, F. Cabitza et al. // Clinical Chemistry and Laboratory Medicine. – 2023. – Article 1136. – DOI: 10.1515/cclm-2023-1136. Carobene, A. Rising adoption of artificial intelligence in scientific publishing: evaluating the role, risks, and ethical implications in paper drafting and review process / A. Carobene, A. Padoan, F. Cabitza et al. // Clinical Chemistry and Laboratory Medicine. – 2023. – Article 1136. – DOI: 10.1515/cclm-2023-1136. Charles, L. Digitalization and Employment: A Review / L. Charles, S. Xia, A. P. Coutts. – International Labour Organization, 2022. – URL: https://www.ilo.org/publications/digitalization-and-employment-review (дата обращения: 29.03.2025). Charles, L. Digitalization and Employment: A Review / L. Charles, S. Xia, A. P. Coutts. – International Labour Organization, 2022. – URL: https://www.ilo.org/publications/digitalization-and-employment-review (data obrascheniya: 29.03.2025). Chen, L. How Is ChatGPT’s Behavior Changing over Time? / L. Chen, M. Zaharia, J. Zou. – 2023. – URL: https://arxiv.org/pdf/2307.09009v1 (дата обращения: 07.06.2024). Chen, L. How Is ChatGPT’s Behavior Changing over Time? / L. Chen, M. Zaharia, J. Zou. – 2023. – URL: https://arxiv.org/pdf/2307.09009v1 (data obrascheniya: 07.06.2024). Chui, M. The Economic Potential of Generative AI: The Next Productivity Frontier / M. Chui, E. Hazan, R. Roberts et al. – McKinsey & Company, 2023. – URL: https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/the-economic-potential-of-generative-ai-the-next-productivity-frontier (дата обращения: 29.03.2025). Chui, M. The Economic Potential of Generative AI: The Next Productivity Frontier / M. Chui, E. Hazan, R. Roberts et al. – McKinsey & Company, 2023. – URL: https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/the-economic-potential-of-generative-ai-the-next-productivity-frontier (data obrascheniya: 29.03.2025). Deloitte. Now decides next: Getting real about Generative AI / N. Mittal, B. Sniderman, C. Perricos, D. Jarvis. – Deloitte’s State of Generative AI in the Enterprise Quarter two report, 2024. – URL: https://www2.deloitte.com/content/dam/Deloitte/us/Documents/consulting/us-state-of-gen-ai-report-q2.pdf (дата обращения: 29.03.2025). Deloitte. Now decides next: Getting real about Generative AI / N. Mittal, B. Sniderman, C. Perricos, D. Jarvis. – Deloitte’s State of Generative AI in the Enterprise Quarter two report, 2024. – URL: https://www2.deloitte.com/content/dam/Deloitte/us/Documents/consulting/us-state-of-gen-ai-report-q2.pdf (data obrascheniya: 29.03.2025). Eloundou, T. GPTs are GPTs: An Early Look at the Labor Market Impact Potential of Large Language Models / T. Eloundou, S. Manning, P. Mishkin, D. Rock. – 2023. – URL: https://ar5iv.labs.arxiv.org/html/2303.10130 (дата обращения: 29.03.2025). Eloundou, T. GPTs are GPTs: An Early Look at the Labor Market Impact Potential of Large Language Models / T. Eloundou, S. Manning, P. Mishkin, D. Rock. – 2023. – URL: https://ar5iv.labs.arxiv.org/html/2303.10130 (data obrascheniya: 29.03.2025). Korn Ferry Institute. Talent Acquisition Trends Report 2024. – Korn Ferry, 2024. – URL: https://www.kornferry.com/insights/featured-topics/talent-recruitment/talent-acquisition-trends-2024 (дата обращения: 29.03.2025). Korn Ferry Institute. Talent Acquisition Trends Report 2024. – Korn Ferry, 2024. – URL: https://www.kornferry.com/insights/featured-topics/talent-recruitment/talent-acquisition-trends-2024 (data obrascheniya: 29.03.2025). QuantumBlack, AI by McKinsey. The State of AI in 2023: Generative AI’s Breakout Year. – McKinsey & Company, 2023. – URL: https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai-in-2023-generative-AIs-breakout-year (дата обращения: 29.03.2025). QuantumBlack, AI by McKinsey. The State of AI in 2023: Generative AI’s Breakout Year. – McKinsey & Company, 2023. – URL: https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai-in-2023-generative-AIs-breakout-year (data obrascheniya: 29.03.2025). World Economic Forum. Future of Jobs Report 2023. – Geneva : WEF, 2023. – URL: https://newsletter.radensa.ru/wp-content/uploads/2023/11/WEF_Future_of_Jobs_2023.pdf (дата обращения: 29.03.2025). World Economic Forum. Future of Jobs Report 2023. – Geneva : WEF, 2023. – URL: https://newsletter.radensa.ru/wp-content/uploads/2023/11/WEF_Future_of_Jobs_2023.pdf (data obrascheniya: 29.03.2025). Zuo, B. The Impact of Artificial Intelligence on Business Operations / B. Zuo, A. Poliak, M. Dredze et al. // Global Journal of Management and Business Research: D Accounting and Auditing. – 2024. – Vol. 24, No. 1. – Pp. 1–8. – DOI: 10.34257/GJMBRDVOL24IS1PG1. Zuo, B. The Impact of Artificial Intelligence on Business Operations / B. Zuo, A. Poliak, M. Dredze et al. // Global Journal of Management and Business Research: D Accounting and Auditing. – 2024. – Vol. 24, No. 1. – Pp. 1–8. – DOI: 10.34257/GJMBRDVOL24IS1PG1.