SUN’IY INTELLEKT VA RAQAMLI TRANSFORMATSIYANING BANK SOHASIDA INTEGRATSIYASI XUSUSIYATLARI VA TAHLILI
DOI:
https://doi.org/10.5281/zenodo.20595098Ключевые слова:
sun’iy intellekt, raqamli transformatsiya, daromad, raqamli xizmatlar, bank sohasi, katta ma’lumotlar, avtomatlashtirish, blokcheynАннотация
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
Библиографические ссылки
1.Rahmaan Mahmood Akawee, O., Shehatha, R. M., & Atiyah, H. R. (2025). The Impact of Artificial
Intelligence Technologies on Enhancing the Performance of the Banking Sector: A Case Study of the United
Arab Emirates: -. Khazayin of Economic and Administrative Sciences, 199–212. https://doi.org/10.69938/
Keas.25020415
2. Diallo, B. Bank efficiency and industry growth during financial crises. Econ. Model. 2018, 68, 11–22.
3. Gherttescu, C.; Manta, A.G.; Bădîrcea, R.M.; Manta, L.F. How Does the Digitalization Strategy Affect
Bank Efficiency in Industry 4.0? A Bibliometric Analysis. Systems 2024, 12, 492. https://doi.org/10.3390/
systems12110492
4.https://www.pwc.com/us/en/industries/financial-services/library/how-ai-is-reshaping-banking.
html#:~:text=Achieving%20these%20gains%20will%20inevitably,advantage%2C%20stronger%20
transparency%20and%20a
5.https://www.webtures.com/insights/ai-in-finance-and-banking/#:~:text=According%20to%20
2024%E2%80%932025%20data,but%20also%20for%20financial%20inclusion.
Загрузки
Опубликован
Как цитировать
Выпуск
Раздел
Лицензия
Copyright (c) 2026 ЗЕЛЁНАЯ ЭКОНОМИКА И РАЗВИТИЕ
Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.