<ul><li><strong>Loss of employment </strong>Replacing the workforce with machines leads to massive unemployment rates. Furthermore, with the increasing use of Al, people will be highly reliant on computers and may lose their creativity. Unemployment is a socially undesirable concern. Artificial Intelligence dispensed to wrong hands can turn out to be disastrous Individuals with nothing to do can start thinking destructively and can create havoc with this ultra-modern technology. By offering automation, intelligence, learning, and accuracy surpassing human ability, Al enhances the value of data beyond what humans can achieve. Therefore, fewer humans are needed.</li><li><br></li><li><strong>Vulnerability </strong>Considering that Al is software, they are vulnerable to attack just like any other computer program. Machines are easily destructive if they land in the wrong hands. Cybercriminals will find creative ways to fool Al systems and access sensitive data, particularly as Al systems become more powerful and widespread. Customers should be keen on the increasing sophistication of banks' Artificial Intelligence strategies because there is a close relationship between predicting and manipulating human behavior. For instance, if a bank wants to influence you to take a higher-priced loan than you'd otherwise qualify for, the first thing should be predicting your response to different marketing strategies and combinations of product terms presented to you at different times of day, across various channels.</li><li><br></li></ul>