APPLICATION OF ARTIFICIAL INTELLIGENCE TOOLS IN FINANCIAL TECHNOLOGY AND CROWDFUNDING PLATFORMS: PROSPECTS AND RISKS

This thesis examines how artificial intelligence tools are being applied in Uzbekistan’s financial technology ecosystem and how they can enable safer, more scalable crowdfunding platforms. It analyzes key concepts and scholarly definitions of FinTech and crowdfunding, AI use-cases in payments, lending, compliance, and platform intermediation, and Uzbekistan’s current digital-finance landscape using official statistics and policy documents. The study identifies major benefits and systemic risks. It proposes risk-based governance and “sandbox-tolicensing” pathways to support responsible growth of AI-driven finance and crowdfunding in Uzbekistan.

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