XORIJIY MAMLAKATLARDA BANK SOHASIDA SUN’IY INTELLEKTDAN FOYDALANISH TAJRIBASI

Authors

  • Kamolov Sardorbek Davlatjon o‘g‘li "AT "Aloqabank" Navoiy Hududiy kompleks xizmatlar ko‘rsatish markazi

Keywords:

sun’iy intellekt, bank texnologiyalari, JPMorgan COiN, chatbot, kredit skoring, AI transformatsiyasi, raqamli bank, O‘zbekiston bank tizimi, fraud-detektsiya, Big Data, API, LSTM modeli

Abstract

Mazkur maqolada xorijiy davlatlar — AQSh, Yevropa mamlakatlari, Xitoy va Rossiyaning bank sohasida sun’iy intellekt (SI) texnologiyalaridan foydalanish tajribalari tahlil qilinadi. Jumladan, JPMorgan Chase, Bank of America, Deutsche Bank, ICBC, Sberbank kabi yirik moliya institutlarining hujjatlarni tahlil qilish, mijozga individual xizmat ko‘rsatish, xavfsizlik va fraud-detektsiya tizimlarida SI texnologiyalarini qanday qo‘llayotgani ochib berilgan. Xorijiy ilg‘or tajribalar asosida O‘zbekiston bank tizimida raqamli transformatsiyani chuqurlashtirish, SI texnologiyalarini lokal sharoitga moslashtirish, kredit skoring, chatbotlar, API integratsiyasi, va prognozlash tizimlarini rivojlantirish bo‘yicha aniq tavsiyalar ishlab chiqilgan. Tadqiqotda zamonaviy texnologiyalarni bank amaliyotiga qo‘llash orqali xizmatlar sifati, tezligi va mijozlar ehtiyojini qondirish darajasi ortib borayotgani asoslab berilgan. Tezis so‘ngida AI asosidagi xizmatlarning O‘zbekiston bank sektorida samarali joriy etilishi uchun ustuvor yo‘nalishlar va strategik tavsiyalar taklif etilgan.

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Published

2025-08-12

How to Cite

Kamolov , S. (2025). XORIJIY MAMLAKATLARDA BANK SOHASIDA SUN’IY INTELLEKTDAN FOYDALANISH TAJRIBASI . DIGITAL TRANSFORMATION AND ARTIFICIAL INTELLIGENCE, 3(4), 126–131. Retrieved from https://dtai.tsue.uz/index.php/dtai/article/view/v3i418

Issue

Vol. 3 No. 4 (2025): Digital Transformation and Artificial Intelligence

Section

Technical sciences

License

Copyright (c) 2025 Kamolov Sardorbek Davlatjon o‘g‘li

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This work is licensed under a Creative Commons Attribution 4.0 International License.