SUN’IY INTELLEKT VA RAQAMLI TRANSFORMATSIYANING BANK SOHASIDA INTEGRATSIYASI XUSUSIYATLARI VA TAHLILI
DOI:
https://doi.org/10.5281/zenodo.20595098Keywords:
sun’iy intellekt, raqamli transformatsiya, daromad, raqamli xizmatlar, bank sohasi, katta ma’lumotlar, avtomatlashtirish, blokcheynAbstract
Ushbu maqolada sun’iy intellekt (SI) va raqamli transformatsiyaning bank sohasida integratsiyasining
hozirgi kundagi jarayonlari, muhim jihatlari hamda uning operatsion samaradorligi tahlil qilingan. Albatta,
raqamli texnologiyalarning tez rivojlanayotgan davrida sun’iy intellekt kabi yangi texnologiyalar banklarga katta
ta’sir ko‘rsatmoqda. Bugungi bank sohasida an’anaviy ko‘rsatkichlarni, xususan xarajatlarning daromadga
nisbati (Cost-to-Income Ratio, CIR) va kapitalga bo‘lgan daromad (Return on Equity, ROE) ta’sirini empirik
jihatdan qayta baholashni talab etadi. Shu jihatdan, maqolada raqamli transformatsiyani joriy etish orqali
banklar bozorga raqobatbardosh bo‘lib qolish uchun ko‘rsatayotgan xizmatlari va banklar samaradorligi uning
ta’siri bo‘yicha o‘rganilgan nazariy adabiyotlar tahlili ham keltirilgan
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