Looking at the context of the evolution of artificial intelligence in Morocco it is marked by a relatively high economic stability and a significant advancement in the banking sector. At this level, everything that can drive banking operations is stimulated through various components. From the literature review section, theorists acknowledge the presence of heuristics and behavioral biases which create the scenarios that facilitate the effects of AI on banking operations and add the conclusive banking performance. Thus, according to the answer to the central problem, a confirmatory analysis was conducted in this regard. The latter is based on a questionnaire prepared by an analysis of the main components using the Smart PLS software. Thus, it can be concluded that the calculation results’ maximum values reflect such significant factors as operation efficiency, cost reduction, profit increase, load generation, and speed of commitment.