FINTECH PLATFORMALARIDA SUN’IY INTELLEKTGA ASOSLANGAN BIZNES KOMMUNIKATSIYASI: O‘ZBEKISTONDA MOLIYAVIY INKLYUZIYAGA TA’SIRI

Sitora  Raxmatova

doi:10.60078/2026-vol5-iss3-pp364-367

Mualliflar

Sitora Raxmatova

Toshkent xalqaro universiteti

DOI:

https://doi.org/10.60078/2026-vol5-iss3-pp364-367

Annotasiya

Ushbu tezis raqamli kommunikatsiya muhitiga o‘tish kam xizmat ko‘rsatilgan foydalanuvchilarning moliyaviy xizmatlarda ishtirokini davom ettirishiga qanday ta’sir ko‘rsatishini hamda platformadagi kommunikatsiya shaffofligi ushbu munosabatni qanday moderatsiya qilishini tahlil qiladi. Mazkur tadqiqot fintech muhitida foydalanuvchilarning ishtirok darajasiga boshqa ko‘plab omillarga nisbatan samaraliroq ta’sir ko‘rsatishi mumkin bo‘lgan kommunikatsiya omillarini aniqlash nuqtai nazaridan amaliy ahamiyatga ega. Heckman tanlash modelidan foydalanib, ushbu tadqiqot sun’iy intellektga asoslangan kommunikatsiya vositalari (avtomatlashtirilgan javoblar, chatbotlar) bilan moliyaviy inklyuziya natijalari (hisob raqamlariga kirish imkoniyati va raqamli tranzaksiyalardan foydalanish) o‘rtasidagi bog‘liqlikni, shuningdek, fintech platformasi (raqamli bank ilovalari) tomonidan taqdim etiladigan moliyaviy xizmatlar bilan foydalanuvchilarning o‘zaro aloqasini tahlil qilishni maqsad qiladi.

Bibliografik manbalar

1. Isaeva, M. (2024). Remittances and Financial Inclusion: Micro-Level Empirical Evidence from Uzbekistan. 2024 4th Interdisciplinary Conference on Electrics and Computer (INTCEC), 1-

6. https://doi.org/10.1109/intcec61833.2024.10602866

2. Udeh, E., Amajuoyi, P., Adeusi, K., & Scott, A. (2024). AI-Enhanced Fintech communication: Leveraging Chatbots and NLP for efficient banking support. International Journal of Management & Entrepreneurship Research. https://doi.org/10.51594/ijmer.v6i6.1164

3. Abdurakhimova, D. (2021). Influence of financial inclusion enclosed by digital banking products on uzbekistan`s economy.

4. Munira, M., Juthi, S., & Begum, A. (2025). Artificial Intelligence in Financial Customer Relationship Management: A Systematic Review of AI-Driven Strategies in Banking and FinTech. American Journal of Advanced Technology and Engineering Solutions. https://doi.org/10.63125/gy32cz90

5. Ahunov, M. (2018). Financial Inclusion, Regulation, and Literacy in Uzbekistan.

6. Patil, J., Bodhankar, G., & Meshram, S. (2025). The Role of AI-Based CRM Systems in Revolutionizing FinTech Customer Experience. Journal of Information Systems Engineering and Management. https://doi.org/10.52783/jisem.v10i27s.4662

7. Ulmasov, A. (2024). Revolutionizing Uzbekistan's Banking Sector Through Fintech Innovations. Indonesian Journal of Law and Economics Review. https://doi.org/10.21070/ijler.v19i2.1053