PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss11-pp163-169Abstract
This article analyzes the implementation of artificial intelligence technologies in commercial banking, examining their impact on operational efficiency, credit risk assessment, and customer service systems. International best practices were compared with the current state of the banking sector in Uzbekistan. The findings indicate that AI can reduce operational costs, enhance fraud-detection efficiency, and improve service speed; however, challenges related to data quality, algorithmic transparency, and cybersecurity remain. The study provides policy recommendations and practical measures to address these issues and to improve the effective integration of AI in banking operations.
Keywords:
artificial intelligence commercial banks digital transformation credit riskReferences
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