TIJORAT BANKLARIDA SUN’IY INTELLEKT VA BIG DATA ASOSIDA INNOVATSION XIZMATLARNI JORIY ETISH
DOI:
https://doi.org/10.5281/zenodo.18088635Keywords:
tijorat banklari, sun’iy intellekt, Big Data, innovatsion bank xizmatlari, raqamli transformatsiya, moliyaviy texnologiyalar, bank risklariAbstract
Mazkur ilmiy maqolada tijorat banklari faoliyatida sun’iy intellekt (Artificial Intelligence) va Big Data
texnologiyalarini joriy etishning nazariy va amaliy jihatlari tahlil qilinadi. Tadqiqotda raqamli transformatsiya sharoitida
bank xizmatlarini innovatsion rivojlantirish, mijozlarga yo‘naltirilgan xizmatlar sifatini oshirish, operatsion xarajatlarni
qisqartirish va risklarni boshqarish samaradorligini kuchaytirishda sun’iy intellekt va katta hajmdagi ma’lumotlar
tahlilining o‘rni asoslab beriladi. Shuningdek, tijorat banklarida AI va Big Data asosidagi innovatsion xizmatlarni joriy etish
jarayonida yuzaga keladigan muammolar, cheklovlar hamda ularni bartaraf etish yo‘llari ko‘rib chiqiladi. Tadqiqot natijalari
bank sektorida raqamli texnologiyalarni qo‘llash orqali raqobatbardoshlikni oshirish va barqaror moliyaviy rivojlanishni
ta’minlashga xizmat qiladi.
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