The financial sector is such a world that is constantly under evolution, always with searches for the balance between strong security and the exponential increase of digital customer-centric operations. Here is where Albiometric recognition steps in, possibly contributing at the same time to efficiency and security for bank transactions. Therefore, this paper will help in studying the incorporation of AI in biometric authentication for banking activities and its impact from these dual perspectives. From the efficiency front, the paper will study how AI can make the user experience effective. This biometric recognition can be, for example, through fingerprint scanning or facial recognition, which will, at the These operations could be further streamlined with AI learning and adapting to user behavior, and even predicting actions and pre-populating transaction details. The traditional means of authentication, including passwords, are easily susceptible to phishing attacks and bruteforce hacking. On the other hand, this biometric data is unique for every individual and hence is more secure. AI can further cement this security by keeping an eye all the time for any anomaly or spoofing attempts in the biometric data. It means that machine-learning algorithms can identify even the slightest difference in fingerprints, facial features, or voice patterns, which human experts might oversee, and would provide a great help for security.