TIJORAT BANKLARIDA STRATEGIK REJALASHTIRISH JARAYONLARIGA SUN’IY INTELLEKT TEXNOLOGIYALARINI INTEGRATSIYALASH MEXANIZMLARI
DOI:
https://doi.org/10.5281/zenodo.22667871Abstract
Tijorat banklarida strategik rejalashtirish jarayonlariga sun’iy intellekt texnologiyalarini
integratsiyalashning asosiy nazariy va amaliy yo‘nalishlari tadqiq etilgan. Bank faoliyatining raqamlashtirilishi,
katta hajmdagi ma’lumotlarning shakllanishi, moliyaviy risklarning murakkablashuvi hamda fintech va bigtech
kompaniyalari bilan raqobatning kuchayishi strategik rejalashtirish yondashuvlarini takomillashtirish zaruratini
oshirmoqda. Sun’iy intellekt texnologiyalarining tashqi va ichki muhitni tahlil qilish, prognozlash, strategik
ssenariylarni ishlab chiqish, muqobil strategiyalarni baholash, resurslarni taqsimlash va strategik monitoring
jarayonlaridagi imkoniyatlari yoritilgan. Tadqiqot natijasida tijorat banklari uchun “Ma’lumotlar → intellektual tahlil
→ strategik prognoz → ssenariylar → muqobil strategiyalar → optimal qaror → amalga oshirish → monitoring →
qayta aloqa” ketma-ketligiga asoslangan sun’iy intellekt integratsiyalashgan strategik rejalashtirish mexanizmi
taklif etilgan.
Keywords
sun’iy intellekt, tijorat banki, strategik rejalashtirish, strategik boshqaruv, prognozlash, ssenariy tahlili, ma’lumotlarga asoslangan boshqaruv, bank strategiyasi, risk-menejment, sun’iy intellektni boshqarishReferences
1. Shrestha Y. R., Ben-Menahem S. M., von Krogh G. Organizational Decision-Making Structures in the Age
of Artificial Intelligence // California Management Review. – 2019. – Vol. 61, No. 4. – P. 66–83. – DOI:
10.1177/0008125619862257.
2. Csaszar F. A., Ketkar H., Kim H. Artificial Intelligence and Strategic Decision-Making: Evidence from
Entrepreneurs and Investors // Strategy Science. – 2024. – Vol. 9, No. 4. – P. 322–345. – DOI: 10.1287/
stsc.2024.0190.
3. Basel Committee on Banking Supervision. Digitalisation of Finance. – Basel: Bank for International
Settlements, 2024.
4. Crisanto J. C., Leuterio C. B., Prenio J., Yong J. Regulating AI in the Financial Sector: Recent Developments
and Main Challenges. – FSI Insights. – No. 63. – Basel: Bank for International Settlements, 2024.
5. Bank of England, Financial Conduct Authority. Artificial Intelligence in UK Financial Services – 2024. –
London, 2024.
6. Crisanto J. C., Currat A., Ehrentraud J., Wu W. In Data We Trust? Emerging Policy and Supervisory
Approaches to AI Data Use in Financial Services. – FSI Insights. – No. 73. – Basel: Bank for International
Settlements, 2026.
7. O‘zbekiston Respublikasi Prezidentining 2024-yil 14-oktabrdagi “Sun’iy intellekt texnologiyalarini
2030-yilgacha rivojlantirish strategiyasini tasdiqlash to‘g‘risida”gi PQ–358-son qarori.: https://lex.uz/docs/-
7158604
8. O‘zbekiston Respublikasi Markaziy banki. Bank tizimida sun’iy intellekt texnologiyalari: rahbar xodimlar
uchun malaka oshirish kurslari. – 2026-yil 7-may.
9. Bank of England. The Bank’s Artificial Intelligence Strategy. – London, 2025.
10. Basel Committee on Banking Supervision. Core Principles for Effective Banking Supervision. – Basel:
Bank for International Settlements, 2024.
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.
