Raqamli bank tizimida sun’iy intellekt va blokcheyn texnologiyalarining xavfsizlikka ta’siri

Kattakul Kinjaev

Termiz iqtisodiyot va servis universiteti o‘qituvchisi Elektron pochta: samurai6356693@gmail.com

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Abstract

 Maqolada raqamli bank tizimida sun’iy intellekt (AI) va blokcheyn texnologiyalarining kiberxavfsizlikka ta’siri tahlil qilinadi. Tadqiqotda sun’iy intellekt firibgarlikni aniqlash, real vaqt rejimida risklarni baholash va mijozlarni shaxsiy autentifikatsiyadan o‘tkazish samaradorligini oshirishi ko‘rsatilgan, blokcheyn esa ma’lumotlarning o‘zgarmasligi, shaffofligi va tranzaksiyalar xavfsizligini ta’minlashi ta’kidlangan. Shu bilan birga, ushbu texnologiyalarning uyg‘unlashuvi yangi xatarlarni, jumladan algoritmik xatolik, aqlli shartnomalar zaifligi va maxfiylik muammolarini yuzaga keltiradi. Maqolada ularni integratsiya qilish strategiyalari, xalqaro normativ tendensiyalar va moliyaviy institutlarning raqamli barqarorligi choralariga doir tahliliy xulosalar keltirilgan. Sun’iy intellekt asosidagi tahliliy tizimlar va blokcheynga asoslangan ishonch mexanizmlarini birlashtiruvchi gibrid xavfsizlik modeli yaratish bo‘yicha takliflar ishlab chiqilgan.

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