Vol. 2 No. 8 (2025), Articles
Vol. 2 No. 8 (2025)

BLOKCHEYN VA SUN’IY INTELLEKT TEXNOLOGIYALARINING BANK AMALIYOTIGA INTEGRATSIYASI

Articles
Published 2025-05-16
Aminova Shaxnoza Nodirovna
Toshkent davlat iqtisodiyot universiteti talabasi
Rustamov Maqsud Sumonqulovich
Toshkent davlat iqtisodiyot universiteti “Bank ishi” kafedra mudiri, Iqtisod fanlari doktori , professor
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Keywords

Blokcheyn, sun’iy intellekt, raqamli bank, avtomatlashtirish, moliyaviy texnologiyalar, tranzaksiya xavfsizligi, aqlli shartnomalar, bank tizimi, raqamli transformatsiya, O‘zbekiston bank sektori.

Abstract

Ushbu maqolada zamonaviy bank tizimida blokcheyn va sun’iy intellekt (SI) texnologiyalarining qo‘llanilish imkoniyatlari, samaradorligi va xavfsizlik darajasini oshirishdagi o‘rni tahlil qilinadi. Bank amaliyotlarining avtomatlashtirilishi, tranzaksiyalarning shaffofligi, mijozlarga xizmat ko‘rsatish sifatining yaxshilanishi va firibgarlik xavfini kamaytirish kabi jihatlar blokcheyn va SI integratsiyasining asosiy afzalliklari sifatida ko‘riladi. Tadqiqotda shuningdek, O‘zbekiston bank tizimi misolida ushbu texnologiyalarning joriy etilishi bo‘yicha muammolar va istiqbollar tahlil qilinadi. Ilmiy maqola bank xizmatlarining raqamli transformatsiyasida innovatsion texnologiyalarning tutgan o‘rnini chuqur ochib beradi hamda sohaga oid ilg‘or xorijiy tajribalarni yoritadi.

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