THE ROLE OF ARTIFICIAL INTELLIGENCE AND BIG DATA TECHNOLOGIES IN THE TRANSFORMATION OF BANKING SERVICES

This article examines the growing role of Artificial Intelligence (AI) and Big Data technologies in the banking sector from a scientific and analytical perspective. The study analyzes the processes of digitalization of modern banking services, the application of machine learning algorithms in credit risk assessment, the effectiveness of predictive models in fraud detection, and innovations in providing personalized financial services. In addition, the current state and future prospects of digital transformation in the banking system of Uzbekistan are discussed. The results of the research show that the implementation of Artificial Intelligence and Big Data technologies in banking activities can significantly increase efficiency, reduce costs, and improve customer satisfaction.