Available at: https://www.idfcfirstbank.com/finfirst-blogs/beyond-banking/what-is-the-impact-of-it-on-the-banking-sector. Retrieved on: Dec. 9, 2022. Adapted.

In the fragment in the second paragraph of the text, “With powerful AI tools, banks can make informed decisions faster by using predictive analysis, which is the central point of AI and ML”, the word in bold refers to