SUN’IY INTELLEKT TEXNOLOGIYALARI ASOSIDA BANK MAHSULOTLARI SAMARADORLIGINI OSHIRISHNING METODOLOGIK YONDASHUVLARI

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.

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