MECHANISM FOR IMPLEMENTING ARTIFICIAL INTELLIGENCE TECHNOLOGIES IN THE OPERATIONS OF COMMERCIAL BANKS IN UZBEKISTAN
DOI:
https://doi.org/10.5281/zenodo.17847007Keywords:
artificial intelligence, commercial banks, credit risk, digital transformation, data analysis, risk managementAbstract
This article analyzes the mechanisms for implementing artificial intelligence (AI) technologies in the operations
of commercial banks in Uzbekistan from scientific, theoretical, and practical perspectives. Furthermore, the study focuses
on issues of credit risk assessment, client segmentation, default probability forecasting, and the integration of AI into
decision-making processes within the banking system.
Using a theoretical-analytical approach, the research examines the level, opportunities, and limitations of using artificial
intelligence technologies in the activities of Uzbek commercial banks. Furthermore, the author presents a comparative
analysis with the experience of AI implementation in banking systems within international practice. The article emphasizes
the necessity of establishing institutional and technological prerequisites for the successful integration of artificial
intelligence into the banking system
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