Яшил иқтисодиёт ва тараққиёт Volume 4 Issue 5 (2026)
WAYS TO IMPROVE THE EFFICIENCY OF BANKING SERVICES THROUGH THE USE OF ARTIFICIAL INTELLIGENCE AND BIG DATA TECHNOLOGIES
Mamatova, Sevara
Abstract
This article provides an in-depth scientific analysis of improving the efficiency of banking services throughthe use of artificial intelligence and big data technologies. The study examines the impact of these technologies oncredit processes, risk management, and customer service quality from both theoretical and practical perspectives. Italso presents a comparative analysis of digital transformation outcomes in the banking systems of developed countries.The paper substantiates the role of artificial intelligence and big data technologies in optimizing banking operations,reducing costs, and improving the accuracy of decision-making processes. The research findings demonstrate that thesetechnologies play a crucial role in enhancing competitiveness and ensuring the sustainable development of the bankingsector.
artificial intelligence, big data, banking services, digital transformation, fintech, credit processes, risk management, credit scoring, automation, big data analytics, machine learning, financial technologies, operational efficiency, customer satisfaction, financial stability, digital banking services, economic development
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