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.
| Mualliflar | Normo‘minov , Temurbek, Нормоминов , Темурбек, Normo‘minov , Temurbek |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2025-11-28 |
| Jild | 3 |
| Son | 11 |
| Betlar | 163-169 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
DOI: 10.60078/2992-877x-2025-vol3-iss11-pp163-169 · Maqolaning asl sahifasi
artificial intelligence, commercial banks, digital transformation, credit risk, искусственный интеллект, коммерческие банки, цифровая трансформация, кредитные риски, sun’iy intellekt, tijorat banklari, raqamli transformatsiya, kredit risklari
The article summarizes the country's long-term progress in improving tax administration in the tax sphere, emphasizes the role and importance of the interregional tax inspectorate in improving large-scale reforms aimed…
This article examines the issue of improving the structural structure aimed at increasing the effectiveness of marketing performance management in the management system of sewing and knitting enterprises.
This article analyzes the optimal composition of working capital and its impact on financial stability in small manufacturing enterprises. Using the textile industry as an example, it examines the important role of…
This article explores the improvement of the accounting system for environmental investment expenses at enterprises in the construction materials industry. The study identifies that under the current national chart of…
This article analyzes the importance of property tax, which is one of the most important sources of income in the financing of the local budget in the stabilization of the state budget, the possibilities of foreign…
This article provides a systematic analysis of the socio-economic significance of tourism digitalization in Uzbekistan. Drawing on the international experiences of South Korea, Singapore, Estonia, Spain, and Turkey, the…
This study provides a comparative analysis of innovative development models that have played an important role in the global economy in the 21st century. The article takes an in-depth look at the innovation systems of…
This article analyzes the prospects for developing green finance products and creating innovative products in commercial banks. The research results indicate that green loans, ESG investments, and green bonds serve as…
This article analyzes the theoretical foundations and practical significance of the Extended Producer Responsibility (EPR) concept, which is an important component of the circular economy. The study highlights the role…
This article examines the prospects of implementing “green mortgage” programs in Uzbekistan and their economic effectiveness. Drawing on international experience, the study explores the advantages of green mortgages…