SUN’IY INTELLEKT TEXNOLOGIYALARI ASOSIDA BANK MAHSULOTLARI SAMARADORLIGINI OSHIRISHNING METODOLOGIK YONDASHUVLARI
DOI:
https://doi.org/10.60078/3060-4842-2026-vol3-iss4-pp43-52Annotasiya
Mazkur maqolada sun’iy intellekt texnologiyalari asosida bank mahsulotlari samaradorligini oshirishning metodologik yondashuvlari tadqiq etilgan. Sun’iy intellektni bank mahsulotining hayotiy sikliga integratsiya qilish bosqichlari tizimlashtirilib, jarayonlarni avtomatlashtirish, prognozli tahlil, personallashtirish, risklarni boshqarish va adaptiv mahsulot boshqaruvining o‘zaro bog‘liqligi asoslangan. Shuningdek, ma’lumotlar sifati, algoritmik shaffoflik, inson nazorati va uzluksiz monitoringni qamrab oluvchi konseptual model taklif etilgan.
Kalit so‘zlar:
sun’iy intellekt bank mahsulotlari samaradorlik metodologik yondashuv prognozli tahlil personallashtirish risklarni boshqarish raqamli bank xizmatlariBibliografik manbalar
Alnaser, F.M., Rahi, S., Alghizzawi, M. and Ngah, A.H. (2023). Does artificial intelligence (AI) boost digital banking user satisfaction? Integration of expectation confirmation model and antecedents of artificial intelligence enabled digital banking. Heliyon, 9(8), Article e18930, pp. 1–16. https://doi.org/10.1016/j.heliyon.2023.e18930.
Bahoo, S., Cucculelli, M., Goga, X. and Mondolo, J. (2024). Artificial intelligence in finance: A comprehensive review through bibliometric and content analysis. SN Business & Economics, 4, Article 23, pp. 1–46. https://doi.org/10.1007/s43546-023-00618-x.
Fares, O.H., Butt, I. and Lee, S.H.M. (2023). Utilization of artificial intelligence in the banking sector: A systematic literature review. Journal of Financial Services Marketing, 28(4), pp. 835–852. https://doi.org/10.1057/s41264-022-00176-7.
Financial Stability Board (FSB) (2024). The Financial Stability Implications of Artificial Intelligence. Basel: Financial Stability Board, pp. 1–40. https://www.fsb.org/uploads/P14112024.pdf.
Goyal, K., Garg, M. and Malik, S. (2025). Adoption of artificial intelligence-based credit risk assessment and fraud detection in the banking services: A hybrid approach (SEM–ANN). Future Business Journal, 11, Article 44, pp. 1–20. https://doi.org/10.1186/s43093-025-00464-3.
Gyau, E.B., Appiah, M., Gyamfi, B.A., Achie, T. and Naeem, M.A. (2024). Transforming banking: Examining the role of AI technology innovation in boosting banks’ financial performance. International Review of Financial Analysis, 96, Article 103700, pp. 1–13. https://doi.org/10.1016/j.irfa.2024.103700.
Kalyani, S. and Gupta, N. (2023). Is artificial intelligence and machine learning changing the ways of banking: A systematic literature review and meta analysis. Discover Artificial Intelligence, 3, Article 41. https://doi.org/10.1007/s44163-023-00094-0.
Organisation for Economic Co-operation and Development (OECD) (2021). Artificial Intelligence, Machine Learning and Big Data in Finance: Opportunities, Challenges and Implications for Policy Makers. Paris: OECD Publishing, pp. 1–72. https://doi.org/10.1787/98e761e7-en.
