TIJORAT BANKLARIDA MUAMMOLI KREDITLAR ULUSHINI KAMAYTIRISHDA SUN'IY INTELLEKT TEXNOLOGIYASIDAN FOYDALANISH ISTIQBOLLARI

This research examines the role of artificial intelligence (AI) technologies in reducing and preventing non-performing loans (NPLs) in commercial banks. In particular, the practical implementation of AI-based scoring models such as Zypl.AI enables the evaluation of borrowers’ creditworthiness not only through their banking history but also by analyzing other financial obligations and payment behaviors. Such an approach improves the accuracy of credit assessments, accelerates decision-making processes, reduces operational costs, and enhances efficiency, thereby indirectly decreasing the share of NPLs. Consequently, the quality of the loan portfolio improves, and the financial stability of banks is strengthened.