O‘ZBEKISTON BANK SEKTORIDA MOLIYAVIY JINOYATLARGA QARSHI KURASHISHDA SUN’IY INTELLEKT TEXNOLOGIYALARIDAN FOYDALANISH IMKONIYATLARI
DOI:
https://doi.org/10.5281/zenodo.21972193Abstract
Ushbu maqolada sun’iy intellektning O‘zbekiston bank sektorida moliyaviy jinoyatlarni
aniqlash, oldini olish va tergov qilishdagi imkoniyatlari tahlil qilinadi. Unda O‘zbekistonning amaldagi bank va
tartibga solish muhiti, shuningdek, jinoiy daromadlarni legallashtirish, firibgarlik va sanksiyalarga rioya qilishda
SI texnologiyalaridan foydalanish bo‘yicha xalqaro tajriba va empirik dalillar ko‘rib chiqiladi. Shuningdek,
O‘zbekiston banklari va tartibga soluvchi organlari uchun SIni joriy etish bosqichlari, ma’lumotlar va boshqaruv
talablari, tajriba loyihalari hamda xarajat va foyda masalalari yuzasidan amaliy tavsiyalar beriladi. Maqolada
global banklar tajribasi asosida SIning afzalliklari va cheklovlari yoritilib, O‘zbekiston sharoitiga mos istiqbolli
yechimlar taklif etiladi
Keywords
jinoiy daromadlarni legallashtirishga qarshi kurash, sun’iy intellekt, muvofiqlik, sun’iy intellektga asoslangan yechimlar, real vaqt rejimidagi tahlil, soxta ijobiy natijalar, kuchaytirilgan xavflarni baholash, me’yoriy hujjatlarga muvofiqlikReferences
1. O‘zbekiston Respublikasi Prezidentining 2021-yil 17-fevraldagi “Sunʼiy intellekt texnologiyalarini jadal joriy
etish uchun shart-sharoitlar yaratish chora-tadbirlari toʻgʻrisida”gi PQ-4996-son qarori. https://lex.uz/docs/-
5297046
2. B. Oztas, D. Cetinkaya, F. Adedoyin, M. Budka, H. Dogan. Transaction monitoring in anti-money laundering:
A qualitative analysis and points of view from industry. Future Generation Computer Systems, 159 (2024).
https://doi.org/10.1016/j.future.2024.05.027
3. European Banking Authority (EBA). Publications and Media: Anti-Money Laundering, Countering the
Financing of Terrorism and Financial Crime-Related Materials. https://www.eba.europa.eu/publicationsand-
media
4. Abdukarimov A. E. (2022). Bank tizimida raqamli transformatsiya jarayonlari: muammolar va istiqbollar. –
Toshkent: Iqtisodiyot va taʼlim nashriyoti. – 154 b.
5. Kamolov S. (2025). O‘zbekiston banklarida sun’iy intellektdan foydalanish samaradorligini oshirish. GREEN
ECONOMY AND DEVELOPMENT, 3(8). DOI: 10.5281/zenodo.16750181.
6. Abdujalilov A. A. (2026). Tijorat banklari xizmatlarini rivojlantirishda sun’iy intellekt texnologiyalarining o‘rni.
Modern Science and Research, 1(2), 25–32. modernscience.uz
7. Namozova M. U. (2024). Внедрение цифровых технологий в банковском секторе Узбекистана. MMIEIR
Interconf.
8. Republic of Uzbekistan: Financial Sector Assessment Program – Detailed Assessment of Observance
– Basel Core Principles for Effective Banking Supervision. IMF Country Report No. 25/227, August
program-detailed-assessment-of-569475
9. D. V. Kute, B. Pradhan, N. Shukla, A. Alamri. Deep learning and explainable artificial intelligence techniques
applied for detecting money laundering – A critical review. IEEE Access, 9 (2021), 82300–82317. http://
dx.doi.org/10.1109/ACCESS.2021.3086230.
10. A. Andiojaya. Do stronger Anti-Money Laundering (AML) measures reduce crime? An empirical study on
corruption, bribery, and environmental crime. Journal of Economic Criminology, 8 (2025), 100157. https://
doi.org/10.1016/j.jeconc.2025.100157
11. S. Subbagari. Navigating the Complex Landscape of Anti-Money Laundering Compliance: A Technical
Perspective. International Research Journal of Science and Technology, July 2023. https://doi.org/10.56726/
IRJMETS43132
12. A. Raza. How JPMorgan Uses AI to Save 360,000 Legal Hours a Year. Medium, May 2025.
https://medium.com/@arahmedraza/how-jpmorgan-uses-ai-to-save-360-000-legal-hours-a-year-
6e94d58a557b
13. A. Thommandru, Dr. B. Chakka. Recalibrating the Banking Sector with Blockchain Technology for Effective
Anti-Money Laundering Compliances by Banks. Journal of Sustainable Futures, 5 (2023), 100107. https://
doi.org/10.1016/j.sftr.2023.100107
14. R. Pontes, N. Lewis, P. McFarlane, P. Craig. Anti-money laundering in the United Kingdom: new directions
for a more effective regime. J. Money Launder. Control, 25 (2) (2022), 401–413. http://dx.doi.org/10.1108/
JMLC-04-2021-0041
15. O‘zbekiston Respublikasi Prezidentining rasmiy veb-sayti. president.uz
16. FATF. International Standards on Combating Money Laundering and the Financing of Terrorism &
Proliferation. Technical Report, Financial Action Task Force, 2023. URL: http://www.fatf-gafi.org/
recommendations.html
17. Official Website of the President of Uzbekistan. https://president.uz/en/lists/view/8545
18. Ernst & Young. Disrupting Financial Crime, 2025. https://www.ey.com/en_gl/disruptingfinancial-crime
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.
