DEVELOPMENT OF REMOTE BANKING SERVICES IN THE KHOREZM REGION BASED ON DIGITAL BROKERAGE SERVICES AND ARTIFICIAL INTELLIGENCE
DOI:
https://doi.org/10.55640/Keywords:
remote banking, digitalization, brokerage services, artificial intelligence, investments, Khorezm region.Abstract
This article presents a quantitative analysis of the state of remote banking services (RBS) in the Khorezm region from 2020 to 2025 and develops a model for expanding banking services toward digital brokerage and AI consulting. Based on statistical data from the Central Bank and regional banks, it is shown that the share of remote transactions in the region has increased from 28.4% to 64.7%, but investment transactions remain less than 3% of the total volume of banking transactions. A model for integrating brokerage services into RBS and an AI consultant for personalized selection of investment packages is proposed. Scenario analysis shows an 11–18% increase in bank commission income over three years and a 2.5-fold increase in investment activity among the population.
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References
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This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.
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