BANK XIZMATLARIDA SUNʼIY INTELLEKT TEXNOLOGIYALARIDAN FOYDALANISH ISTIQBOLLARI: RISKLAR VA IMKONIYATLAR
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss11-pp163-169Annotasiya
Ushbu maqolada tijorat banklarida sun’iy intellekt texnologiyalarini joriy etish jarayonlari, ularning operatsion samaradorlikka, kredit risklarini baholash sifatiga va mijozlarga xizmat ko‘rsatish tizimiga ta’siri ilmiy jihatdan tahlil qilindi. Xalqaro tajribalar O‘zbekiston bank tizimi amaliyoti bilan taqqoslab o‘rganildi. Tadqiqot natijalari SI texnologiyalari bank xarajatlarini kamaytirishi, firibgarlikni aniqlash samaradorligini oshirishi, xizmat ko‘rsatish tezligini yaxshilashi bilan birga, ma’lumotlar sifati, algoritmik shaffoflik va kiberxavfsizlik kabi muammolar mavjudligini ko‘rsatdi. Maqolada ushbu muammolarni bartaraf etish bo‘yicha taklif va tavsiyalar ishlab chiqilgan.
Kalit so‘zlar:
sun’iy intellekt tijorat banklari raqamli transformatsiya kredit risklariBibliografik manbalar
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