SUN’IY INTELLEKT VA KATTA MA’LUMOTLAR O‘ZBEKISTON BANK SEKTORIDA: RAQAMLI IQTISODIYOTGA TA’SIRINI SIFAT VA EKSPERIMENTAL YONDASHUV ASOSIDA BAHOLASH
DOI:
https://doi.org/10.65164/8p80fs25Kalit so‘zlar:
Raqamli iqtisodiyot; sun’iy intellekt; katta ma’lumotlar; bank sektori; kredit skoring; moliyaviy inklyuziya; O‘zbekistonAbstrak
Maqolada O‘zbekiston raqamli iqtisodiyotining muhim ustunlaridan biri bo‘lgan bank sektori misolida sun’iy intellekt (SI) va katta ma’lumotlar texnologiyalarining amaliy ta’siri tahlil qilinadi. Rasmiy hujjatlar, xalqaro hisobotlar va akademik manbalar O‘zbekistonda raqamli transformatsiyaning bank va moliya xizmatlari orqali tezlashayotganini, biroq SI va big data yechimlarining chuqur bahosi yetarli emasligini ko‘rsatadi.[1] Tadqiqot maqsadi - SI va katta ma’lumotlarga asoslangan yechimlar bank operatsion samaradorligi, risklarni boshqarish va moliyaviy inklyuziya ko‘rsatkichlariga qanday ta’sir qilishini aniqlash hamda bu jarayonni raqamli iqtisodiyot rivoji bilan bog‘lashdir.
Metodologiya aralash yondashuvga tayangan: birinchi bosqichda O‘zbekistonning yirik tijorat banki va fintech subyekti bo‘yicha sifatli keys-stadi va yarim strukturaviy intervyular o‘tkaziladi; ikkinchi bosqichda esa SI asosidagi kredit skoring va mijozlarga xizmat ko‘rsatish yechimi A/B eksperiment dizayni asosida pilot tarzda sinovdan o‘tkaziladi. Ma’lumotlar farqlar farqi (differencein-differences), logistik regressiya va deskriptiv tahlil usullari yordamida qayta ishlanadi.
Dastlabki natijalar va xalqaro tajriba SI hamda katta ma’lumotlar kredit riskini baholash aniqligini oshirishi, defolt stavkasini kamaytirishi va ayniqsa kichik biznes va kam xizmat qamrab olingan segmentlar uchun moliyaviy kirish imkoniyatini kengaytirishini ko‘rsatadi.[8] O‘zbekiston kontekstida esa asosiy cheklovlar sifatli ma’lumotlar yetishmasligi, malakali kadrlar tanqisligi va ehtiyotkor regulyativ pozitsiya bilan bog‘liq. Maqola SI va katta ma’lumotlar integratsiyasining institutsional omillarini ochib beradi, siyosiy qaror qabul qiluvchilar va banklar uchun amaliy tavsiyalar taklif etadi hamda raqamli iqtisodiyot bo‘yicha Markaziy Osiyo miqyosida kam o‘rganilgan ilmiy bo‘shliqni qisman to‘ldiradi.
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