BANKLARDA SUN’IY INTELLEKTDAN FOYDALANISH: AFZALLIKLARI VA KAMCHILIKLARI HAMDA XORIJ TAJRIBALARI TAHLILI
DOI:
https://doi.org/10.5281/zenodo.21818542Abstract
Ushbu maqolada bank tizimida sun’iy intellekt (SI) texnologiyalarini joriy etishning nazariy va amaliy jihatlari
hamda ularning afzalliklari va kamchiliklari tahlil qilingan. Sun’iy intellektning kredit risklarini baholash, firibgarlik holatlarini
aniqlash, mijozlarga xizmat ko‘rsatish sifatini oshirish, operatsion xarajatlarni qisqartirish va boshqaruv qarorlarini
qabul qilish samaradorligini yuksaltirishdagi o‘rni yoritilgan. Shuningdek, ma’lumotlar xavfsizligi, algoritmik xolislik (bias),
huquqiy va axloqiy masalalar hamda texnologik infratuzilma bilan bog‘liq cheklovlar ilmiy nuqtayi nazardan baholangan.
Xorijiy tajribalar tahlili asosida banklarda sun’iy intellektni samarali va xavfsiz joriy etish bo‘yicha ilmiy-amaliy tavsiyalar
ishlab chiqilgan.
Keywords
sun’iy intellekt, bank tizimi, raqamli bank, kredit riski, risklarni boshqarish, avtomatlashtirish, moliyaviy texnologiyalar (FinTech), firibgarlikni aniqlash.References
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