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 |
| Nashriyot | Ўзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази |
| ISSN | 2992-877X |
| Nashr sanasi | 2025-11-28 |
| Jild | 3 |
| Son | 11 |
| Betlar | 163-169 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
| Indeksga qo‘shilgan | 2026-08-27 |
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
| APA | Normo‘minov , Temurbek, Нормоминов , Темурбек, & Normo‘minov , Temurbek (2025). PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES. Иқтисодий тараққиёт ва таҳлил, 3(11), 163-169. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
|---|---|
| GOST (OAK) | Normo‘minov , Temurbek, Нормоминов , Темурбек, Normo‘minov , Temurbek PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES // Иқтисодий тараққиёт ва таҳлил. – 2025. – T. 3, № 11. – P. 163-169. – DOI: 10.60078/2992-877x-2025-vol3-iss11-pp163-169. |
| MLA | Normo‘minov , Temurbek, Нормоминов , Темурбек, and Normo‘minov , Temurbek. “PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES.” Иқтисодий тараққиёт ва таҳлил, 3(11), 163-169, 2025. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
| Chicago | Normo‘minov , Temurbek, Нормоминов , Темурбек, and Normo‘minov , Temurbek. “PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES.” Иқтисодий тараққиёт ва таҳлил, 3(11), 163-169 (2025). https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
| Harvard | Normo‘minov , Temurbek, Нормоминов , Темурбек, and Normo‘minov , Temurbek (2025) ‘PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES’, Иқтисодий тараққиёт ва таҳлил, 3(11), 163-169. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp163-169 |
| BibTeX | @article{normominovtemurbek2025,
title = {PROSPECTS FOR THE USE OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN BANKING SERVICES: RISKS AND OPPORTUNITIES},
author = {Normo‘minov , Temurbek and Нормоминов , Темурбек and Normo‘minov , Temurbek},
journal = {Иқтисодий тараққиёт ва таҳлил},
year = {2025},
volume = {3},
number = {11},
pages = {163-169},
doi = {10.60078/2992-877x-2025-vol3-iss11-pp163-169},
url = {https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp163-169}
} |
Boshqa maqola uchun iqtibos tayyorlash
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…
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 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 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 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.
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 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 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 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 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…
Иқтисодий тараққиёт ва таҳлил — barcha maqolalar · 2025-yil arxivi
This article examines the organisational, technological, and economic mechanisms for integrating embedded finance technologies into the business models of commercial banks. It analyses APIs, Banking-as-a-Service…
This paper examines the implementation of blockchain technologies in the payment systems of commercial banks and evaluates their impact on operational efficiency, security, and transaction speed. Using systematic…
Maqolada tijorat banklari mamlakat iqtisodiyotining asosiy tarkibiy qismlaridan biri bo‘lib, ularning faoliyatitakror ishlab chiqarish ehtiyojlari bilan uzviy bog‘liqligi xususida so‘z yuritiladi. Shuningdek, banklar…
Maqolada rentabellik – bu biznes modelining iqtisodiy samaradorligi oʻlchovi sifatidaxarajatlar va sof daromad oʻrtasidagi munosabatni aks ettirishi haqida soʻz yuritiladi. Koeffitsiyent nafaqatbiznes-modelni ishga…
Maqolada onlayn-kreditlash platformalarining rivojlanishi va ularning an’anaviy bank tizimiga ko‘rsatayotganraqobat ta’siri tahlil qilingan. Xalqaro va mahalliy statistik ma’lumotlar asosida raqamli kreditlash…
This study examines the association between Internet use and self-rated health and investigates the role of online health information behaviors in this relationship. Using data from the 2021 Chinese General Social…
На материалах, опубликованных по август 2024 года, исследуется достаточность бюджетного покрытия обязательств государственно-частного партнёрства. Предложена совместная проверка объёма, сроков и допустимых источников…
Maqolada O‘zbekiston sport tashkilotlarida sun’iy intellekt (SI) va ma’lumotlarga asoslangan boshqaruvning iqtisodiy samaradorlik bilan bog‘liqligini o‘rganish uchun rasmiy statistik ma’lumotlar tahlil qilinadi…
The article analyzes the institutional formation and everyday educational practice of girls’ education in Turkestan in the late nineteenth and early twentieth centuries. It examines traditional schools led by otinoyi…
This study presents a comprehensive analysis of the geostrategic role of Khwarezm in the transregional trade system of Eurasia during the 9th–12th centuries, based on written sources, historiography, and archaeological…
В статье исследуется, почему налоговые и тарифные льготы могут не приводить к привлечению инвестиций в дата-центры для искусственного интеллекта (ИИ). На основе теории комплементарности М. Кремера построена…