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Annotatsiya
Maqolada bank xizmatlarini rivojlantirishda sun’iy intellektdan foydalanishning ilmiy-nazariy yondashuvlari tadqiq etilgan. Tadqiqotning maqsadi bank faoliyatida sun’iy intellektni qo‘llashning asosiy yo‘nalishlarini tizimlashtirish va uni joriy etish samaradorligiga ta’sir etuvchi omillarni aniqlashdan iborat. Ilmiy adabiyotlar tahlili asosida texnologik-transformatsion, mijozga yo‘naltirilgan, kredit, tavakkalchilikka yo‘naltirilgan va generativ yondashuvlar ko‘rib chiqilgan. Sun’iy intellekt bank operatsiyalari samaradorligini oshirish, kredit skoringini takomillashtirish, xatarlarni boshqarish, firibgarlik operatsiyalarini aniqlash va moliyaviy xizmatlarni shaxsiylashtirishga yordam berishi aniqlandi. Intellektual va mijoz jarayonlarini avtomatlashtirish imkoniyatlarini kengaytiruvchi generativ sun’iy intellekt alohida ahamiyat kasb etmoqda. Sun’iy intellektni qo‘llash samaradorligi ma’lumotlar sifati, raqamli infratuzilma, inson kapitali, tashkiliy tayyorgarlik va institutsional-tartibga solish muhitiga bog‘liqligi asoslandi.
Adabiyotlar ro‘yxati
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Mualliflik huquqi (c) 2026 Мамутова, А.К. (Muallif)