The use of digitalization and technologies in updating credit policy

Azimov, Otabek

Яшил иқтисодиёт ва тараққиёт · 2025-yil

Annotatsiya

In the context of rapid digital transformation, the modernization of credit policy has become an essentialrequirement for financial institutions. This article examines the theoretical foundations and practical aspects of digitalizationin credit management, highlighting the role of innovative technologies such as artificial intelligence, big data analytics,and blockchain in assessing creditworthiness and mitigating risks. The research methodology includes comparativeanalysis and case studies from selected commercial banks implementing digital credit solutions. The results reveal thatthe integration of digital technologies significantly enhances decision-making accuracy, speeds up loan processing, andimproves overall risk management. The article concludes by recommending strategic approaches for banks to adopttechnology-driven credit policy frameworks in alignment with global financial trends

Maqola ma’lumotlari
MualliflarAzimov, Otabek
JurnalЯшил иқтисодиёт ва тараққиёт
NashriyotТошкент давлат иқтисодиёт университети
ISSN2992-8982
Nashr sanasi2025-04-07
Jild3
Son4
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.15279681
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.15279681 · Maqolaning asl sahifasi

Kalit so‘zlar

credit policy, digitalization, risk management, artificial intelligence, fintech, credit scoring, big data.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAAzimov, Otabek (2025). The use of digitalization and technologies in updating credit policy. Яшил иқтисодиёт ва тараққиёт, 3(4). https://doi.org/10.5281/zenodo.15279681
GOST (OAK)Azimov, Otabek The use of digitalization and technologies in updating credit policy // Яшил иқтисодиёт ва тараққиёт. – 2025. – T. 3, № 4. – DOI: 10.5281/zenodo.15279681.
MLAAzimov, Otabek. “The use of digitalization and technologies in updating credit policy.” Яшил иқтисодиёт ва тараққиёт, 3(4), 2025. https://doi.org/10.5281/zenodo.15279681
ChicagoAzimov, Otabek. “The use of digitalization and technologies in updating credit policy.” Яшил иқтисодиёт ва тараққиёт, 3(4) (2025). https://doi.org/10.5281/zenodo.15279681
HarvardAzimov, Otabek (2025) ‘The use of digitalization and technologies in updating credit policy’, Яшил иқтисодиёт ва тараққиёт, 3(4). https://doi.org/10.5281/zenodo.15279681
BibTeX
@article{azimovotabek2025,
  title = {The use of digitalization and technologies in updating credit policy},
  author = {Azimov, Otabek},
  journal = {Яшил иқтисодиёт ва тараққиёт},
  year = {2025},
  volume = {3},
  number = {4},
  doi = {10.5281/zenodo.15279681},
  url = {https://doi.org/10.5281/zenodo.15279681}
}

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