SUN'IY INTELLEKTNING MOLIYA SOHASIDAGI O'RNI
;
sun'iy intellekt, moliya, kredit skoringi, algoritmik savdo, robo-maslahatchi, firibgarlikni aniqlash, moliyaviy texnologiyalar, mashinaviy o'rganish.Abstrak
Bugungi kunda sun'iy intellekt (SI) texnologiyalari moliya sohasida keskin o'zgarishlar olib kelmoqda. Ushbu maqolada SI ning bank, sug'urta, fond bozori va moliyaviy maslahat xizmatlaridagi o'rni oddiy va aniq tarzda yoritilgan. Tadqiqot shuni ko'rsatadiki, dunyo bo'yicha moliya kompaniyalarining yarmi SI dan foydalanayotgan bo'lib, bu narx, vaqt va aniqlik jihatidan sezilarli foyda bermoqda. Shu bilan birga, axloqiy muammolar, kiberhujumlar va tartibga solish masalalari ham ko'rib chiqilgan. O'zbekiston uchun SI ni moliya sektoriga joriy etish katta imkoniyat sifatida baholangan.
Iqtiboslar
Buchanan, B. G. (2019). Artificial Intelligence in Finance. The Alan Turing Institute Reports. London. — 72 b.
McKinsey Global Institute. (2024). The Economic Potential of Generative AI: The Next Productivity Frontier. McKinsey & Company. — 68 b.
Deloitte Insights. (2024). 2024 Global AI Report: Finance Edition. Deloitte Touche Tohmatsu. — 54 b.
Jagtiani, J., & Lemieux, C. (2019). The Roles of Alternative Data and Machine Learning in Fintech Lending. Economic Inquiry, 57(3), 1041–1053.
PwC. (2023). Global Artificial Intelligence Study: Exploiting the AI Revolution. PricewaterhouseCoopers. — 36 b.
Bartlett, R., Morse, A., Stanton, R., & Wallace, N. (2022). Consumer-Lending Discrimination in the FinTech Era. Journal of Financial Economics, 143(1), 30–56.
O'zbekiston Respublikasi Prezidentining PF-6079-son Farmoni. (2020). "Raqamli O'zbekiston — 2030" strategiyasi to'g'risida. Toshkent.
European Commission. (2024). Regulation (EU) 2024/1689 — AI Act. Official Journal of the European Union.
IMF. (2024). Global Financial Stability Report: AI in Finance. Washington D.C. — 192 b.
Cao, L. (2022). AI in Finance: Challenges, Techniques, and Opportunities. ACM Computing Surveys, 55(3), 1–38.
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