Innovation science and technologiy 2-том 3-сан (2026)
COMPLIANCE OF BANKING AI SYSTEMS WITH EU AI ACT REQUIREMENTS AND THEIR ROLE IN RISK MANAGEMENT
Usmonov, Faridun F., Zainalov Zh.R.
Аннотация
This article examines how banking AI systems—particularly those used in credit scoring—are positioned withinthe regulatory framework established by the EU Artificial Intelligence Act (EU AI Act). The analysis centres on the Act’shigh-risk classification requirements and their technical implications for credit institutions. Rather than treating complianceas a checklist exercise, this paper argues that structured AI governance, when properly implemented, can become asource of institutional resilience and competitive differentiation. Practical recommendations are developed with particularattention to the applicability of EU experience in the context of Uzbekistan’s emerging AI regulatory environment
EU AI Act, artificial intelligence, banks, credit scoring, risk management, regulation, Basel Committee, machine learning, governance, high-risk systems, compliance
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