O‘ZBEKISTON BANK-MOLIYA TIZIMIDA GENERATIV SUN’IY INTELLEKTNI QO‘LLASHNING IQTISODIY SAMARADORLIGI VA KIBER-TAHDIDLAR TAHLILI
DOI:
https://doi.org/10.65164/1wfta670Keywords:
generativ sun’iy intellekt, bank-moliya tizimi, kiberxavfsizlik, iqtisodiy samaradorlik, deepfake, ma'lumotlar maxfiyligi, algoritmik xatolar, raqamli transformatsiya, O'zbekiston.Abstract
Ushbu maqolada O‘zbekiston bank-moliya tizimida generativ sun’iy intellekt (GenAI) texnologiyalarini qo'llashning iqtisodiy samaradorligi va kiberxavfsizlik tahdidlari keng qamrovli tahlil qilinadi. Tadqiqot OECD, IMF va xalqaro moliya institutlarining so‘nggi hisobotlariga asoslanib, GenAI'ning bank operatsiyalari xarajatlarini kamaytirish, mijozlarga xizmat ko'rsatish sifatini oshirish va moliyaviy jinoyatlarni aniqlashdagi roli o‘rganiladi. Shu bilan birga, ma’lumotlar maxfiyligi, algoritmik xatolar, deepfake va kiberatakalarga doir tahdidlar baholanadi. O'zbekiston Respublikasining "Raqamli O'zbekiston — 2030" strategiyasi va sun'iy intellektni rivojlantirish bo'yicha qabul qilingan normativ-huquqiy hujjatlar doirasida mamlakat bank sektori uchun xavfsiz AI arxitekturasini joriy etishning amaliy tavsiyalari ilgari suriladi.
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