BANK ISHIDA SUN’IY INTELLEKT IMKONIYATLAR VA MUAMMOLAR
DOI:
https://doi.org/10.54613/ku.v10i10.916Keywords:
Sun’iy intellekt (AI); bank sanoati; imkoniyatlar; mijozlarga xizmat ko‘rsatish; firibgarlikni aniqlash; kredit reytingi; shaxsiylashtirilgan tavsiyalar; ma’lumotlarni tahlil qilish; axloqiy mulohazalar; normativ muvofiqlik; raqamli transformatsiya.Abstract
Sun’iy intellekt (AI) bank sohasida inqilob qilmoqda, operatsion samaradorlikni oshirish, mijozlar tajribasini yaxshilash va innovatsiyalarni rivojlantirish uchun ko‘plab imkoniyatlarni taqdim etadi. Ushbu tadqiqotda mijozlarga xizmat ko‘rsatishni avtomatlashtirish va firibgarlikni aniqlashdan tortib, kredit reytingi va shaxsiy tavsiyalargacha bo‘lgan bank ishida sun’iy intellektning turli xil ilovalariga umumiy nuqtai nazarni taqdim etadi. U sun’iy intellektni qo‘llashning potentsial afzalliklarini, jumladan xarajatlarni kamaytirish, xavflarni kamaytirish va daromadlarni ishlab chiqarishni o‘rganadi, shu bilan birga AI ni joriy etish bilan bog‘liq muammolar va mulohazalarni ko‘rib chiqadi. Algoritmlarning noto‘g‘riligi va ma’lumotlarning maxfiyligi bilan bog‘liq axloqiy muammolardan tortib, tartibga solishga rioya qilish va iste’dodlarni qo‘lga kiritishgacha, banklar sun’iy intellekt kuchidan to‘liq foydalanish uchun murakkab ma’lumotlarga ega bo‘lishlari kerak. Sun’iy intellektni qo‘llashga xos bo‘lgan imkoniyatlar va muammolarni tushunib, banklar raqobatbardosh bo‘lish va raqamli asrda o‘z mijozlarining o‘zgaruvchan ehtiyojlarini qondirish uchun ushbu transformatsion texnologiyadan strategik foydalanishadi.
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