THE IMPORTANCE OF RETAIL BANKING SERVICES IN GENERATING A BANK'S INCOME

This article focuses on the development of retail banking services in the formation of bank income, the introduction of new types of online banking services, and increasing bank income by serving customers using modern tools such as AI technologies and machine learning. Also, the relevance of the formation of commercial banks' income today undoubtedly depends on AI technologies, since the successful functioning of the entire financial system of the country depends on it. The author presents the current problems in making financial decisions in banks and the formation of their income, as well as the author's approaches and proposals for their elimination.