Comparative analysis of digital financial technologies for credit risk prediction and management in commercial banks based on artificial intelligence and big data analytics

Kholdorov , Sardor

Яшил иқтисодиёт ва тараққиёт · 2026-yil

Annotatsiya

This article examines modern digital approaches to credit risk prediction and management incommercial banks based on artificial intelligence and big data analytics. The effectiveness of machine learningmodels such as XGBoost, Random Forest, and neural networks is analyzed in comparison with traditionalstatistical models, particularly logistic regression. Based on real statistical data, it is demonstrated that theaccuracy of the models increased by 25%, while the default rate decreased by 20–30%.

Maqola ma’lumotlari
MualliflarKholdorov , Sardor
JurnalЯшил иқтисодиёт ва тараққиёт
NashriyotТошкент давлат иқтисодиёт университети
ISSN2992-8982
Nashr sanasi2026-07-01
Jild4
Son7
Betlar26-32
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.21273181
Indeksga qo‘shilgan2026-09-06

DOI: 10.5281/zenodo.21273181 · Maqolaning asl sahifasi

Kalit so‘zlar

artificial intelligence, big data, credit risk, machine learning, XGBoost, digital financial technologies, predictive modeling.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAKholdorov , Sardor (2026). COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS. Яшил иқтисодиёт ва тараққиёт, 4(7), 26-32. https://doi.org/10.5281/zenodo.21273181
GOST (OAK)Kholdorov , Sardor COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS // Яшил иқтисодиёт ва тараққиёт. – 2026. – T. 4, № 7. – P. 26-32. – DOI: 10.5281/zenodo.21273181.
MLAKholdorov , Sardor. “COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS.” Яшил иқтисодиёт ва тараққиёт, 4(7), 26-32, 2026. https://doi.org/10.5281/zenodo.21273181
ChicagoKholdorov , Sardor. “COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS.” Яшил иқтисодиёт ва тараққиёт, 4(7), 26-32 (2026). https://doi.org/10.5281/zenodo.21273181
HarvardKholdorov , Sardor (2026) ‘COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS’, Яшил иқтисодиёт ва тараққиёт, 4(7), 26-32. https://doi.org/10.5281/zenodo.21273181
BibTeX
@article{kholdorovsardor2026,
  title = {COMPARATIVE ANALYSIS OF DIGITAL FINANCIAL TECHNOLOGIES FOR CREDIT RISK PREDICTION AND MANAGEMENT IN COMMERCIAL BANKS BASED ON ARTIFICIAL INTELLIGENCE AND BIG DATA ANALYTICS},
  author = {Kholdorov , Sardor},
  journal = {Яшил иқтисодиёт ва тараққиёт},
  year = {2026},
  volume = {4},
  number = {7},
  pages = {26-32},
  doi = {10.5281/zenodo.21273181},
  url = {https://doi.org/10.5281/zenodo.21273181}
}

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