AI-Enhanced Real-Time BMS Framework for Sustainable Healthcare and Digital Banking Transformation Using SAP and Cloud Technologies

Abstract

The convergence of artificial intelligence (AI), cloud computing, and enterprise platforms like SAP is redefining the landscape of digital transformation across critical sectors such as healthcare and banking. This paper proposes an AI-enhanced ecosystem framework designed to drive sustainable innovation in both healthcare delivery and digital financial services. Leveraging the scalability and integration capabilities of SAP's intelligent enterprise systems and the flexibility of cloud-native infrastructure, the framework introduces a modular architecture that supports real-time decision-making, predictive analytics, and end-to-end process automation.
In healthcare, the ecosystem enables enhanced patient care through AI-powered diagnostics, remote monitoring, and intelligent resource planning. In digital banking, it facilitates secure, personalized financial services including fraud detection, risk assessment, and smart customer engagement. The proposed solution emphasizes sustainability through efficient resource utilization, data-driven insights, and support for green IT initiatives.
This interdisciplinary approach ensures compliance with regulatory standards (e.g., HIPAA, GDPR, Basel III), while promoting agility, security, and interoperability across domains. The framework not only enables operational excellence but also supports strategic goals such as resilience, scalability, and customer-centric transformation in the age of intelligent enterprises.