SUN'IY INTELLEKT TEXNOLOGIYALARINING MOLIYAVIY XIZMATLAR VA BANK TIZIMI SAMARADORLIGIGA TA'SIRI
Keywords:
sun'iy intellekt, moliyaviy xizmatlar, bank tizimi, mashinali o'rganish, kredit tahlili, firibgarlikni aniqlash, FinTech, risk-menejment, raqamli bank, samaradorlik.Abstract
Ushbu maqolada sun'iy intellekt (SI) texnologiyalarining
moliyaviy xizmatlar va bank tizimi samaradorligiga ta'siri keng qamrovli ilmiy tahlil
asosida o'rganilgan. Tadqiqotda mashinali o'rganish (machine learning), tabiiy tilni
qayta ishlash (NLP), chuqur o'rganish (deep learning) va neyron tarmoq
algoritmlarining kredit tahlili, firibgarlikni aniqlash, risk-menejment va mijozlarga
xizmat ko'rsatish jarayonlaridagi o'rni ishlab chiqilgan. Olingan natijalar shuni
ko'rsatadiki, SI texnologiyalari operatsion xarajatlarni 30% gacha kamaytirish, kredit
tasdiqlov jarayonini 85% ga tezlashtirish va moliyaviy firibgarlik hollarini 50% ga
qisqartirish imkonini beradi. Maqola O'zbekiston bank tizimiga SI texnologiyalarini
joriy etish bo'yicha amaliy tavsiyalar bilan yakunlanadi.
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