Know your customer mechanisms as a tool for enhancing risk management systems in commercial banks

Fayziyev, Sherzod

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

The article examines the role of the “Know Your Customer” (KYC) mechanism as a keyinstrument for strengthening risk management systems in commercial banks. The main types of banking risks— credit, operational, and compliance risks — are analyzed, and their interrelation with the effectivenessof customer identification procedures is substantiated. The structural stages of the KYC policy — customeridentification, ongoing monitoring of transactions, and reporting of suspicious operations — are examinedwithin the framework of the “prevent–detect–report” model. Based on the study, an integrated compliancecontrol mechanism is proposed, combining AML/CFT monitoring, KYC procedures, sanctions screening, andoperational risk indicators within a single digital platform, with the use of artificial intelligence, big data, andblockchain technologies to increase the accuracy of risk assessment. The findings can be applied in improvingthe risk management and compliance control systems of commercial banks.

Maqola ma’lumotlari
MualliflarFayziyev, Sherzod
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2026-03-30
Jild4
Son3
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

risk management, commercial banks, Know Your Customer (KYC), compliance risk, antimoney laundering (AML/CFT), customer due diligence, digital platform, artificial intelligence.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAFayziyev, Sherzod (2026). KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS. Муҳандислик ва Иқтисодиёт, 4(3). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3606
GOST (OAK)Fayziyev, Sherzod KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS // Муҳандислик ва Иқтисодиёт. – 2026. – T. 4, № 3.
MLAFayziyev, Sherzod. “KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS.” Муҳандислик ва Иқтисодиёт, 4(3), 2026. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3606
ChicagoFayziyev, Sherzod. “KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS.” Муҳандислик ва Иқтисодиёт, 4(3) (2026). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3606
HarvardFayziyev, Sherzod (2026) ‘KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS’, Муҳандислик ва Иқтисодиёт, 4(3). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3606
BibTeX
@article{fayziyevsherzod2026,
  title = {KNOW YOUR CUSTOMER MECHANISMS AS A TOOL FOR ENHANCING RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS},
  author = {Fayziyev, Sherzod},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2026},
  volume = {4},
  number = {3},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/3606}
}

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