This article explores how artificial intelligence (AI) is revolutionizing credit risk assessment in financial technology (Fintech) lending platforms. By analyzing large datasets in real-time, AI systems enhance accuracy, reduce bias, and expand access to credit. The research incorporates global insights from organizations like the IMF, World Bank, and BIS, along with examples from emerging Fintech ecosystems, including Uzbekistan. The paper also examines regulatory challenges, data privacy concerns, and practical recommendations for implementing AI in a responsible and inclusive way.

Ushbu maqolada adib Shukur Xolmirzayevning ijodkorlik mahorati, “Odam”, “Ota yurt”, “Ot egasi” hikoyalaridagi hayot manzarasi, insonlar taqdiri, ular qalbidagi ruhiy kechinmalar va falsafiy mushohadalar tadqiq etildi.

This article investigates the transformative role of financial technologies (fintech) in modernizing global financial services, improving access to finance, and redefining banking and payment systems. Drawing on current developments from countries such as Uzbekistan, as well as informations from institutions like the World Bank, IMF, and the World Economic Forum, the study explores how fintech has accelerated financial inclusion, the rise of neobanks, blockchain innovations, and regulatory challenges. The paper further proposes targeted strategies to increase digital finance infrastructure, support digital literacy, and harmonize legal frameworks to accommodate rapidly evolving fintech ecosystems.

This article delves into the transformative impact of embedded finance on the financial services industry in 2025. It explores how the integration of financial services into non-financial platforms is reshaping consumer experiences, business models, and the broader economic landscape. Drawing on recent data, case studies, and expert analyses, the piece examines the drivers of growth, challenges, and future prospects of embedded finance.

Ushbu maqola islomgacha bo'lgan davrda turkiy xalqlar orasida shakllangan adabiy an'analar, ularning asosiy xususiyatlari, janrlari va namunalari haqida ma'lumot beradi. Bu davr adabiyoti asosan og'zaki ijod shaklida rivojlangan bo'lib, qo'shiqlar, afsonalar, rivoyatlar, dostonlar va marosim qo'shiqlaridan iborat. Mazkur maqola qadimgi turkiy yodgorliklar, ularning madaniy va tarixiy ahamiyatini yoritishga qaratilgan.