{"id":13473,"date":"2026-09-25T13:37:37","date_gmt":"2026-09-25T08:37:37","guid":{"rendered":"https:\/\/pivot.uz\/?p=13473"},"modified":"2026-09-25T13:36:49","modified_gmt":"2026-09-25T08:36:49","slug":"ai-sizning-orningizga-xarid-qilmoqda-banklar-esa-xavotirda","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/ai-sizning-orningizga-xarid-qilmoqda-banklar-esa-xavotirda\/","title":{"rendered":"AI sizning o\u2018rningizga xarid qilmoqda, banklar esa xavotirda"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">AI agentlar endi faqat mahsulot tavsiya qilish bilan cheklanmayapti. Ular foydalanuvchi nomidan mahsulotlarni qidirish, taqqoslash va xaridni amalga oshirish jarayonining bir qismini ham bajarishi mumkin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Agentic commerce<\/strong> deb ataladigan bu yo\u2018nalish rivojlanar ekan, banklar to\u2018lov xavfsizligi va foydalanuvchi ma\u2019lumotlarini himoya qilish bo\u2018yicha yangi xavflarga e\u2019tibor qaratmoqda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NatWest, Bank of America, ING, Capital One, Commonwealth Bank of Australia va ASB Bank AI agentlar orqali amalga oshiriladigan xaridlar uchun umumiy prinsiplarni ishlab chiqdi. Ular texnologiya tez rivojlanayotgani sababli xavfsizlik va iste\u2019molchi himoyasi ham birga rivojlanishi kerakligini ta\u2019kidlamoqda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AI qanday xarid qiladi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oddiy onlayn xaridda foydalanuvchi mahsulotni o\u2018zi qidiradi, variantlarni solishtiradi va to\u2018lovni amalga oshiradi. AI agent esa bu jarayonning bir nechta bosqichini foydalanuvchi nomidan bajarishi mumkin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Masalan, foydalanuvchi agentdan ma\u2019lum narxdagi mahsulotni topishni so\u2018raydi. Agent variantlarni ko\u2018rib chiqib, mos mahsulotni tanlashi va xarid jarayonini davom ettirishi mumkin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Banklar nimadan xavotirda?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asosiy masalalardan biri \u2014 agent xato qilgan yoki firibgar saytga duch kelgan holatda nima bo\u2018lishi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Masalan, AI agent foydalanuvchining karta ma\u2019lumotlarini saytga kiritishi yoki xavfsizligi pastroq bo\u2018lgan to\u2018lov usulini tanlashi mumkin. Shuningdek, firibgarlar agentni manipulyatsiya qilib, noto\u2018g\u2018ri xarid qildirishga urinishi ehtimoli ham bor.<br><br>Shu sababli banklar AI ishtirok etgan tranzaksiyalarni aniq belgilash, agentlarning qarorlarini tushunarli qilish va foydalanuvchiga to\u2018lov ustidan nazoratni saqlab qolish zarurligini ta\u2019kidlamoqda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">AI orqali kelayotgan qidiruvlar oshmoqda<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu yo\u2018nalish allaqachon elektron tijoratga kirib kelmoqda. Britaniyaning <strong>John Lewis<\/strong> kompaniyasida AI agentlardan kelayotgan mahsulot qidiruvlari bir yil ichida <strong>0,3 foizdan 2,5 foizgacha<\/strong> oshgan. Bu ko\u2018rsatkich xaridlarning ulushini emas, aynan AI agentlar orqali kelgan mahsulot qidiruvlarini bildiradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agentic commerce hali rivojlanishning dastlabki bosqichida. Ammo AI agentlar xaridor nomidan tobora ko\u2018proq ish bajara boshlagani sababli, to\u2018lov xavfsizligi va foydalanuvchi nazorati masalasi ham muhimlashmoqda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AI agentlar endi faqat mahsulot tavsiya qilmay, foydalanuvchi nomidan xaridni ham amalga oshirmoqda. Yirik banklar esa firibgarlik, to\u2018lov xavfsizligi va moliyaviy ma\u2019lumotlar himoyasi bo\u2018yicha yangi xavflardan ogohlantirmoqda.<\/p>\n","protected":false},"author":1,"featured_media":13470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[53],"tags":[],"jnews-series":[],"class_list":["post-13473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hisobotlar"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/13473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=13473"}],"version-history":[{"count":1,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/13473\/revisions"}],"predecessor-version":[{"id":13474,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/13473\/revisions\/13474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/13470"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=13473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=13473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=13473"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=13473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}