{"id":8163,"date":"2025-07-22T12:49:10","date_gmt":"2025-07-22T12:49:10","guid":{"rendered":"https:\/\/pivot.uz\/?p=8163"},"modified":"2025-07-22T12:57:07","modified_gmt":"2025-07-22T12:57:07","slug":"uzcard-va-zypl-ai-ozbekiston-moliya-sohasini-suniy-intellekt-orqali-yangi-bosqichga-olib-chiqmoqda","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/uzcard-va-zypl-ai-ozbekiston-moliya-sohasini-suniy-intellekt-orqali-yangi-bosqichga-olib-chiqmoqda\/","title":{"rendered":"UZCARD va zypl.ai: O\u2018zbekiston moliya sohasini sun\u2019iy intellekt orqali yangi bosqichga olib chiqmoqda"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O\u2018zbekiston moliya sektori raqamli transformatsiyaning yangi bosqichiga qadam qo\u2018ymoqda. 2025-yil yozida mamlakatdagi yetakchi to\u2018lov tizimlaridan biri <strong>UZCARD<\/strong> va xalqaro sun\u2019iy intellekt kompaniyasi <strong>zypl.ai<\/strong> qo\u2018shma korxona \u2014 <strong>oneziyo.ai<\/strong>&#8216;ni rasman ishga tushirganini e\u2019lon qildi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tashabbus nafaqat texnologik yutuq, balki O\u2018zbekiston moliyaviy tizimida AI (sun\u2019iy intellekt) asosida faoliyat yuritadigan ilk yirik infratuzilma o\u2018zgarishlaridan biri sifatida qaralmoqda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sun\u2019iy intellekt: moliya uchun yangi asr<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">oneziyo.ai oldiga qo\u2018yilgan asosiy maqsad \u2014 moliyaviy tashkilotlar faoliyatiga <strong>generativ sun\u2019iy intellekt<\/strong> texnologiyalarini joriy etish. Kompaniya quyidagi yo\u2018nalishlarda yechimlar taklif etadi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mijozlarning <strong>xulqiy kredit skorini<\/strong> aniqlash;<\/li>\n\n\n\n<li><strong>real vaqt rejimidagi tranzaksiyalarni kuzatish<\/strong>;<\/li>\n\n\n\n<li><strong>firibgarlikni erta aniqlash<\/strong>;<\/li>\n\n\n\n<li>kredit portfellari holatini oldindan baholash va <strong>makroiqtisodiy stress-testlar<\/strong>ni o\u2018tkazish.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bularning barchasi, O\u2018zbekiston moliyaviy muassasalarida hanuzgacha keng qo\u2018llanilayotgan an\u2019anaviy \u2014 ko\u2018pincha qo\u2018lda bajariladigan \u2014 baholash usullariga nisbatan keskin sifatli sakrashni anglatadi<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>UZCARD<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekistonning yirik to\u2018lov tizimi bo\u2018lgan UZCARD mamlakatdagi millionlab kundalik tranzaksiyalarni boshqaruvchi <strong>raqamli infratuzilmani yuritadi<\/strong>. Kompaniya mahalliy banklar va mikroqarz tashkilotlari bilan chuqur integratsiyalashgan bo\u2018lib, yangi AI-yechimlarning tez va ommaviy joriy etilishi uchun tayyor platforma taqdim etadi.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>zypl.ai<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Silicon Valley ruhi bilan shakllangan, ammo o\u2018z ildizlarini Markaziy Osiyoda saqlab qolgan zypl.ai \u2014 <strong>Stanfordda asos solingan<\/strong> va hozirda <strong>Dubai AI Campus<\/strong>da faoliyat yuritadi. Kompaniya sun\u2019iy ma\u2019lumotlar asosida tavakkalchilikni boshqarish bo\u2018yicha ilg\u2018or texnologiyalarni ishlab chiqqan va hozirda 60+ moliyaviy tashkilotga xizmat ko\u2018rsatadi. Ular tomonidan qo\u2018llab-quvvatlanayotgan kredit portfeli hajmi <strong>$300 milliondan<\/strong> oshgan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Texnologik yadro: zGAN, Lucid va zAdmin<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">oneziyo.ai\u2019ning texnologik asosi \u2014 <strong>zypl.ai tomonidan patentlangan zGAN algoritmi<\/strong>. Ushbu texnologiya sun\u2019iy (sintetik) ma\u2019lumotlar yaratadi, jumladan \u201c<strong>qora oqqush<\/strong>\u201d deb ataluvchi noodatiy moliyaviy stsenariylarni ham modellaydi. Bu esa noaniqlik va ma\u2019lumot yetishmovchiligiga qarshi chidamli tizimlar qurishga imkon beradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Boshqa asosiy modullar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lucid<\/strong> \u2013 dasturlash talab qilmaydigan, AI-modellarni yaratish uchun no-code platforma;<\/li>\n\n\n\n<li><strong>zAdmin<\/strong> \u2013 AI-modellarni bank tizimlariga integratsiya qilish uchun mo\u2018ljallangan boshqaruv moduli.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">UZCARD hamkorligida bu texnologiyalar O\u2018zbekiston moliya bozori talablariga moslashtirilib, milliy infratuzilmaga integratsiyalashadi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>oneziyo.ai qanday o\u2018zgarishlar olib keladi?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekistonda ko\u2018plab moliyaviy tashkilotlar hanuzgacha kredit tavakkalchiligini baholashda inson omiliga tayanuvchi uslublardan foydalanmoqda. Bu esa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>qabul qilinayotgan qarorlarning aniqligi pastligi<\/strong>,<\/li>\n\n\n\n<li><strong>resurslarning samarali taqsimlanmasligi<\/strong>,<\/li>\n\n\n\n<li>va ko\u2018pincha <strong>kreditlashda noaniqlik<\/strong> kabi muammolarni keltirib chiqaradi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Yangi AI-yondashuvlar esa quyidagi natijalarga erishishni va\u2019da qilmoqda:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> Kutilmagan defoltlarni kamaytirish<br> Qarorlar tezligini oshirish<br> Mijozlarni yanada aniq baholash<br> Moliyaviy xizmatlarga aholining va MChJ\u2019larning kirish imkoniyatini kengaytirish<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Global ambitsiyalar: oneziyo.ai \u2013 eksportga yo\u2018naltirilgan platforma<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu loyiha faqat O\u2018zbekiston bilan cheklanib qolmaydi. oneziyo.ai AI-modellarini boshqa bozorlarga eksport qilishni maqsad qilgan. Ayniqsa, moliyaviy infratuzilmasi rivojlanayotgan, ammo sifatli ma\u2019lumot yetishmaydigan mintaqalarda \u2014 <strong>Markaziy Osiyo<\/strong>, <strong>Yaqin Sharq<\/strong>, <strong>Janubi-Sharqiy Osiyo<\/strong> kabi hududlarda bu texnologiyalar katta ehtiyojga ega.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">oneziyo.ai \u2013 bu shunchaki texnologik loyiha emas. Bu O\u2018zbekiston moliyaviy ekotizimini global AI tendensiyalari bilan integratsiyalovchi strategik qadamdir. U moliya sektorining samaradorligini oshiribgina qolmay, mamlakatni sun\u2019iy intellekt bo\u2018yicha mintaqaviy yetakchiga aylantirish uchun mustahkam poydevor yaratmoqda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.spot.uz\/ru\/2025\/07\/22\/zypl-ai\/\" target=\"_blank\" rel=\"noopener\">Manba<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekiston moliya sektori raqamli transformatsiyaning yangi bosqichiga qadam qo\u2018ymoqda. 2025-yil yozida mamlakatdagi yetakchi to\u2018lov tizimlaridan biri UZCARD va xalqaro sun\u2019iy intellekt kompaniyasi zypl.ai qo\u2018shma korxona \u2014 oneziyo.ai&#8216;ni rasman ishga tushirganini e\u2019lon qildi. Bu tashabbus nafaqat texnologik yutuq, balki O\u2018zbekiston moliyaviy tizimida AI (sun\u2019iy intellekt) asosida faoliyat yuritadigan ilk yirik infratuzilma o\u2018zgarishlaridan biri sifatida qaralmoqda. Sun\u2019iy [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[124,197],"tags":[],"jnews-series":[],"class_list":["post-8163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-uz","category-iqtisod"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/8163","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=8163"}],"version-history":[{"count":2,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/8163\/revisions"}],"predecessor-version":[{"id":8165,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/8163\/revisions\/8165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/8161"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=8163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=8163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=8163"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=8163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}