XORIJIY MAMLAKATLARDA BANK SOHASIDA SUN’IY INTELLEKTDAN FOYDALANISH TAJRIBASI

Авторы

  • Sardorbek Kamolov "AT "Aloqabank" Navoiy Hududiy kompleks xizmatlar ko‘rsatish markazi

Ключевые слова:

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

Аннотация

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.

Библиографические ссылки

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O‘zbekiston Respublikasi Prezidenti. (2022). PQ–81-sonli qaror. Moliyaviy texnologiyalar va sun’iy intellektni rivojlantirish milliy strategiyasi. https://lex.uz/ru/docs/5840265

TBC Bank Uzbekistan. (2024). Digital Banking Development Report. Retrieved from: https://tbcbank.uz

Kapitalbank. (2024). API-based Scoring and AI Tools in Lending. Retrieved from: https://kapitalbank.uz

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Hamkorbank. (2024). Raqamli xizmatlar ulushi va mobil ilova samaradorligi. Retrieved from: https://hamkorbank.uz

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Загрузки

Опубликован

2025-08-12

Как цитировать

Kamolov , S. (2025). XORIJIY MAMLAKATLARDA BANK SOHASIDA SUN’IY INTELLEKTDAN FOYDALANISH TAJRIBASI . Цифровая трансформация и искусственный интеллект, 3(4), 126–131. извлечено от https://dtai.tsue.uz/index.php/dtai/article/view/v3i418

Выпуск

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

Раздел

Technical sciences

Лицензия

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

Лицензия Creative Commons

Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.