Илғор иқтисодиёт ва педагогик технологиялар Volume 3 Issue 4 (2026) · pp. 43-52

METHODOLOGICAL APPROACHES TO IMPROVING THE EFFICIENCY OF BANKING PRODUCTS BASED ON ARTIFICIAL INTELLIGENCE TECHNOLOGIES

Xujamuratov, Abbos, Хужамуратов, Аббос, Xujamuratov, Abbos

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Abstract

This article examines methodological approaches to improving the efficiency of banking products through artificial intelligence technologies. The stages of integrating artificial intelligence into the banking product life cycle are systematized, and the interrelationship between process automation, predictive analytics, personalization, risk management, and adaptive product management is substantiated. A conceptual model incorporating data quality, algorithmic transparency, human oversight, and continuous monitoring is proposed.

artificial intelligencebanking productsefficiencymethodological approachpredictive analyticspersonalizationrisk managementdigital banking servicesискусственный интеллектбанковские продукты

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Cite

APA 7 
Xujamuratov, Abbos, Хужамуратов, Аббос & Xujamuratov, Abbos (2026). METHODOLOGICAL APPROACHES TO IMPROVING THE EFFICIENCY OF BANKING PRODUCTS BASED ON ARTIFICIAL INTELLIGENCE TECHNOLOGIES. Илғор иқтисодиёт ва педагогик технологиялар, 3(4), 43-52.
GOST R 7.0.5 
Xujamuratov, Abbos, Хужамуратов, Аббос, Xujamuratov, Abbos METHODOLOGICAL APPROACHES TO IMPROVING THE EFFICIENCY OF BANKING PRODUCTS BASED ON ARTIFICIAL INTELLIGENCE TECHNOLOGIES // Илғор иқтисодиёт ва педагогик технологиялар. 2026. Т. 3. № 4. С. 43-52.
BibTeX 
@article{abbos2026,
  author  = {Xujamuratov, Abbos and Хужамуратов, Аббос and Xujamuratov, Abbos},
  title   = {METHODOLOGICAL APPROACHES TO IMPROVING THE EFFICIENCY OF BANKING PRODUCTS BASED ON ARTIFICIAL INTELLIGENCE TECHNOLOGIES},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year    = {2026},
  volume  = {3},
  number  = {4},
  pages   = {43-52}
}
RIS 
TY  - JOUR
AU  - Xujamuratov, Abbos
AU  - Хужамуратов, Аббос
AU  - Xujamuratov, Abbos
TI  - METHODOLOGICAL APPROACHES TO IMPROVING THE EFFICIENCY OF BANKING PRODUCTS BASED ON ARTIFICIAL INTELLIGENCE TECHNOLOGIES
JO  - Илғор иқтисодиёт ва педагогик технологиялар
PY  - 2026
VL  - 3
IS  - 4
SP  - 43
EP  - 52
ER  -