This study suggests a novel employing big data technologies, innovative finance framework for commercial banking entities order to address the challenges associated with the transformation of Concerning large quantities of data, banks are commercial. The proposed system fully utilizes big data technology and suggests several financial innovation paths and financial innovation strategies in accordance with the various traits of both established and newly founded commercial banks. The study's findings demonstrate the innovation system's ability to comprehensively and methodically suggest how commercial banks should use big data technology and the Internet as a platform for institutional innovation, management innovation, and product innovation. AI is able to be used in a variety of ways in the context of credit finance and businesses, including credit risk assessment, fraud detection, and customer service automation. Credit finance Capability: A company's ability to obtain finance from banks, financial institutions, or investors is referred to as having credit financing capacity. It depends on elements including the business's financial stability, creditworthiness, and capacity to pay its debts. © 2024 Elsevier B.V., All rights reserved.