THE IMPACT OF ARTIFICIAL INTELLIGENCE ON THE DEVELOPMENT OF BANKS' DEPOSIT BASES

This article examines the growing importance of artificial intelligence in the development of the deposit base of commercial banks amid the digital economic transformation. The study explains how modern AI technologies help banks better understand customer needs, offer more convenient and personalized deposit products, and identify potential risks of depositor outflow in a timely manner. Particular attention is given to the automation of savings processes, the integration of fintech solutions, and the expansion of digital banking services. The paper also reviews international experience in the application of intelligent technologies and discusses the prospects for their effective use in Uzbekistan’s banking sector.