THE PROSPECTS OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES ON THE DEVELOPMENT OF THE BANKING SYSTEM

Eshmurodova Sevinch Bahrom qizi

Qarshi State Technical University

2nd-year student, Banking Department

+998994190825

eshmurodovasevinch266@gmail.com

Abstract: The article discusses the use of artificial intelligence technologies in the banking sector. The focus is on simplifying customer service processes, reducing credit risks, detecting fraud, and strengthening cybersecurity.      

Keywords: artificial intelligence, bank, digital services, security, lending.      

Аннотация: В статье рассматриваются вопросы использования технологий искусственного интеллекта в банковской системе. Основное внимание уделено упрощению обслуживания клиентов, снижению кредитных рисков, выявлению мошенничества и повышению уровня кибербезопасности.      Ключевые слова: искусственный интеллект, банк, цифровые услуги, безопасность, кредитование.      

Introduction:

Today, major changes are occurring in the global financial market. Banks are no longer limited to simple transactions, accepting deposits, or issuing loans. Their main objective has increasingly become providing customers with convenient, fast, and secure services. One of the most significant technologies supporting this transformation is artificial intelligence (AI).Initially, artificial intelligence seemed like something found only in science-fiction movies. However, in today’s real world, AI technologies are actively involved in services ranging from bank cards to online applications. Therefore, discussing the future prospects of this technology is highly important.

Main Part:

One of the first and simplest applications of artificial intelligence in banks is chatbots. Today, most banks have their own mobile applications, and when a customer asks a question through the app, the initial response is given by an automated system. Although this seems simple, it plays a crucial role. While a human operator needs time to answer and queues may occur, artificial intelligence can serve thousands of customers simultaneously.The second direction is risk assessment. Previously, bank employees examined customer documents, requested employment references, and often required guarantors.

Today, AI systems can analyze a customer’s financial behavior, spending patterns, and even mobile payment history to calculate the probability of loan repayment. This process is convenient for both the bank and the customer.Another important aspect is fraud detection. Thousands of transactions are carried out every day, and it is impossible to manually inspect all of them.

Artificial intelligence can detect unusual or suspicious activity among transactions. For example, if a customer usually uses their card only in Tashkent but suddenly attempts to withdraw a large amount of money abroad, the system stops the transaction automatically. This helps protect the customer’s funds.

Of course, these technologies also have challenges. First, developing and implementing such systems requires significant financial investment. Second, banking data is highly confidential, making its protection extremely important. Third, the shortage of qualified specialists is also a major issue.

Despite these challenges, the advantages of artificial intelligence outweigh its drawbacks. Competition in the banking sector is increasing every day. Customers now pay attention not only to interest rates but also to service speed, convenience, and security. Banks that use AI technologies can enhance their reputation and attract more customers.

AI also opens new opportunities for banks in Uzbekistan. For instance, using artificial intelligence in loan portfolio management reduces risks. Financial inclusion — expanding access to banking services for the general population — can also be improved through AI. Additionally, AI can play an important role in future green financing projects.

One of the most critical issues is cybersecurity. As financial crimes around the world are increasing, AI systems help not only detect fraud but also protect large volumes of data. Therefore, banks in Uzbekistan must strengthen their efforts in this area.

Conclusion:

In conclusion, artificial intelligence is becoming an essential part of the future banking system. It simplifies customer service, reduces risks, detects fraud, and most importantly, increases the efficiency of banking operations. In the context of Uzbekistan, the gradual introduction of AI technologies, training qualified specialists, strengthening cybersecurity, and improving financial literacy are of great importance. If consistent work is carried out in these directions, banks in Uzbekistan can become competitive not only in the region but also in the global financial market.

REFERENCES

1. O‘zbekiston Respublikasi Markaziy banki. Raqamli moliya hisobotlari, 2024.

2. World Bank. AI in Financial Services. Washington, 2023.3. Brynjolfsson, E., & McAfee, A. Machine, Platform, Crowd. Norton, 2017.4. Harvard Business Review. Artificial Intelligence for the Real World. 2018.

I am Eshmurodova Sevinch Bahrom qizi, born in 2006 in the Kamashidistrict of the Kashkadarya region. Between 2022 and 2024, I studiedat the Academic Lyceum of Karshi State University in the “exactsciences” department and successfully graduated. In 2024, I wasadmitted to Karshi State Technical University and am currently a2th-year student at the Faculty of Economics and Management, BankingDepartment. In my free time, I play sports. I am a 3-time champion ofUzbekistan. I have also taken the honorable 1st place in Tashkentseveral times. In addition, I have won the Rector’s Cup several times.Currently, I am running an online business at home. I make tiaras forgirls. I take an online course in Turkish. My goal is to open atraining center in the area where I live, in agreement with thegovernor.  I would like to pay special attention to Turkish, Russian,mathematics, and robotics at the center.

EFFECTIVE METHODS FOR STRENGTHENING IMMUNITY AMONG YOUTH

Annotation

This article provides a scientific analysis of the factors contributing to weakened immunity among young people and explores effective methods for strengthening the immune system. It highlights the biological functions of the immune system, the impact of a healthy lifestyle, the relationship between psychological well-being and immunity, the role of nutritional habits, and the significance of physical activity. Research results indicate that healthy nutrition, regular physical exercise, quality sleep, stress management, and avoidance of harmful habits significantly enhance immune strength.

Keywords: Immunity, youth health, healthy lifestyle, vitamins, physical activity, psychological stability.

Introduction

Youth represent the foundation of a healthy society. Their physical and mental well-being directly affects national development, social stability, and the advancement of future generations. In the context of modern globalization, increased information flow, poor nutritional habits, unhealthy lifestyle choices, and environmental challenges have negative effects on the immunity of young people. According to experts, weakened immunity leads to various infectious diseases, chronic fatigue, sleep disorders, and reduced gastrointestinal function.

Therefore, studying scientifically proven methods of strengthening immunity among youth, applying them in practice, and enhancing preventive measures remain among the most urgent tasks today.

Main Part

1. Immunity and Its Biological Importance

Immunity is the body’s ability to resist various harmful factors. It consists of innate (natural) and acquired (adaptive) immune systems. Innate immunity serves as the body’s natural defense mechanism, whereas acquired immunity forms after exposure to a disease or vaccine. During youth, the immune system actively develops; however, poor lifestyle choices and psychological stress can weaken its functioning.

2. The Impact of Nutritional Habits on Immunity

Since nearly 70% of immune functions are linked to gut activity, nutrition directly influences the state of immunity. Vitamins A, C, D, E, B-complex vitamins, as well as minerals such as iron, zinc, and selenium play a leading role in strengthening the immune system.

Widespread consumption of fast food, sugary drinks, sweets, and foods rich in preservatives among youth weakens immunity. Therefore, a healthy diet should include vegetables, fruits, buckwheat, fish, nuts, natural dairy products, and whole grains.

3. The Importance of Physical Activity and Sports

Regular physical activity improves blood circulation, activates metabolism, and strengthens the immune system. According to scientific research, at least 30 minutes of moderate daily exercise increases immune function by 25–30%. Promoting sports among young people not only encourages a healthy lifestyle but also reduces stress and improves sleep quality.

Running, swimming, cycling, yoga, and Pilates are among the most effective activities for boosting immunity.

4. Sleep Quality and Its Impact on Immunity

Sleep is the period during which the immune system restores itself. Young people who do not get sufficient sleep experience reduced lymphocyte levels, which weakens the body’s resistance to diseases.

Experts recommend 7–9 hours of quality sleep per day for youth. Excessive use of electronic devices and spending long hours online at night slow down the production of melatonin — the sleep hormone.

5. The Influence of Stress and Psychological Factors on Immunity

Young people often experience stress due to academic pressure, social media influence, interpersonal conflicts, and personal challenges. The stress hormone — cortisol — suppresses immune cell activity.

Practices such as meditation, breathing exercises, reading literature, spending time in nature, and engaging in creative activities effectively reduce stress and help strengthen immunity.

6. Consequences of Harmful Habits

Tobacco products, energy drinks, and alcohol significantly weaken the immune system. The frequent consumption of energy drinks, in particular, negatively affects cardiovascular health and increases immune dysfunction.

Promoting a healthy lifestyle among young people is crucial for preventing harmful habits.

7. The Role of Prevention and Medical Check-ups

Weakened immunity is often detected late. Therefore, young people should undergo general medical examinations at least twice a year. Vaccination, especially seasonal influenza immunization, helps support immune function and prevent infectious diseases.

Conclusion

Strengthening immunity plays a vital role in improving youth health. A strong immune system not only prevents diseases but also enhances intellectual activity, productivity, emotional stability, and social engagement. Scientific analyses show that healthy nutrition, regular physical activity, quality sleep, stress management, and avoiding harmful habits constitute the key components of strong immunity. Promoting a healthy lifestyle among young people, increasing preventive measures, and ensuring regular medical check-ups will contribute significantly to the creation of a healthy future society.

References

1. Karimova N. Youth Health and the Immune System. Tashkent, 2020.

2. Kholmatov A., Rasulov U. Foundations of Immunology. Tashkent Medical Publishing House, 2018.

3. World Health Organization (WHO). Youth Health Reports (2019–2023).

4. Ministry of Health of the Republic of Uzbekistan. Healthy Lifestyle Program. 2021.

5. Smith J., Brown L. Nutrition and Immune Function in Youth. New York: Springer, 2022.

Avazbekova Rayyonakhon was born on March 12, 2008, in Andijan city, Andijan region of the Republic of Uzbekistan, into an intellectual family. She is a first-year student of the Andijan Branch of Kokand University, Faculty of Medical Treatment, group 25-11.

PROMISES, PROMISES, PROMISES!

A bully. Liar. Con man. Lifelong cheat.
Convicted felon. No respect for law.
Uneducated voters think he’s God—
or sent by God to fix an unfair world
where being male and white is not enough.
They call on God—the other one, on high—
to bless their hatred with prosperity.
And God—the one in D.C—answers prayers
by suing foes, unleashing private armies
on immigrants, and posting diatribes.

But now the presidential crown’s at risk.
Epstein’s ring of wealthy pedophiles
provokes the cry, “Release the Epstein files!”
He stalls, resists, twists arms— then flips. Agrees.
In videos and photos, Don and Jeff
are partying together, side by side.
So—yes, he says he’ll do the big reveal.
But will the files be whole– or missing chunks,
with names redacted, segments lost or trashed?
And Epstein’s dead. Convenient. He can’t talk.

You think we’ll finally see hard evidence
that “grab ‘em by the pussy”—basic rape,
two dozen charges, one conviction– rape
has always been a hobby? Would an isle
of teen-aged girls be catnip to this tom?
Release the Epstein files? He signed the bill.
But will we ever see them? Sure! When hell-
fire freezes solid, grocery prices fall,
and health care is available to all.
His handlers won’t finance a losing game.

Copyright 11/25 Patricia Doyne

THE ROLE OF THE WORD IN THE CONSTITUTION OF THE REPUBLIC OF UZBEKISTAN

Qulliyeva Feruza Qosimovna
Student of Termez State University

The first period of reform was marked by the adoption of the Constitution of the Republic of Uzbekistan, the main body after Uzbekistan achieved its independence. The Constitution is not only a legal document, but also the main foundation of society and its main weapon in the official Square. It should not be viewed only as a set of laws, since the Constitution is a bold step directly related to the life of every citizen, in the way of progressing the country and managing it with Justice. In the Explanatory Dictionary of the Uzbek language “Constitution Latin constitutio-designation, decision, appointment, legalization. The Basic Law of the state, which has a high legal force, is the basis of all current laws,” explained.
As we read the Constitution, we can come across many foreign intrusive words.

The use of these words is not just a coincidence. A legal document requires, first of all, to show accuracy, to be simple and equally understandable to all. In this sense, the words of appropriation contribute to the representation of terminological accuracy in the Constitution, as well as the enrichment of the lexical layer of the Uzbek language. We read the Constitution, we can come across many foreign intrusive words. The use of these words is not just a coincidence. A legal document requires, first of all, to show accuracy, to be simple and equally understandable to all. In this sense, the words of appropriation contribute to the representation of terminological accuracy in the Constitution, as well as the enrichment of the lexical layer of the Uzbek language. The use of borrowed words ensures that the law complies with international standards and accurately and clearly conveys its legal content.
We can divide words of assimilation into two parts according to their use in our language:

Active mastering-words that are actively used today, the content of which is understandable to all, have become the main terms of the legal language.

For example: democracy – (Greek “demos “ – people,” kratos “ – power) the freedom and equality of citizens is enshrined in the Constitution and laws, the forms of people’s power are established in practice and a specific political system; people’s power; Republic – (Latin for” common work“,” people’s work”) the form of government in which the Supreme state power belongs to the Authority (President or parliament); President – (Latin “prae” – ahead, “sedere” – to sit, to lead) a form of government in which the Supreme state power belongs to a body of power (President or parliament)elected for a certain period; a state with such a form of Government; article – (Arabic “subject”, “basis”) an independent branch of official document, complex, law and the like, separated by a number or letter; Parliament – (Latin “parlare” – to talk, talk) a higher representative and legislative body, which is drawn up in

Inactive introspections are words that are little used in everyday speech, difficult to understand, characteristic mainly of formal-legal texts.

For example: ratification – (Latin “ratificatio “ – approval, approval) approval of an international treaty or convention by a body of Supreme state power, to be legally enforced in the same countries; monopoly – (Greek” monos-singular, “poleo” – sell)
an enterprise or association that is the sole owner of the production and sale of a product or service; a state of secluded dominance in the market; a speaker – (English “speaker“) is the chairman of Parliament or chairman of the chamber in the parliaments of a number of countries (including Uzbekistan); a denunciation – (French” denocer” – declare, inform) that a state.

These words, which are found in the Constitution, are not the sum of phrasal terms. These words, recognized and actively used in the international arena during today’s globalization, have had time to become a mirror that shows the political level of each country. These words, which are found in the Constitution, are not the sum of phrasal terms. These words, recognized and actively used in the international arena during today’s globalization, have had time to become a mirror that shows the political level of each country. We cannot deny foreign inflected terms, because certain acquisition terms are so complete with their legal content that its complete replacement with a national language alternative can lead to a transformation of the content and purpose being expressed and misunderstandings.

For this reason, the application of the words of appropriation in our Constitution is determined by the need to accurately and clearly reflect deeply thought out and legal concepts.
In conclusion, the place and level of appropriation words used in the Constitution are very important. While active appropriations have been absorbed into the life of society, serving to increase the legal literacy of the population, while at the same time enriching the language layer, inactive appropriation words are an integral, unified and necessary part of legal text and speech, through which they ensure the accuracy and consistency of the content in the laws of the Constitution.

National and Cultural Features of Phraseological Units in the Uzbek Language

Kokand University, Andijan Branch
Faculty of Philology and Language Teaching
Uzbek Language, Group 25-07, 1st Year Student
Habibullayeva Laylokhon Zarifjon kizi

Annotatsiya:
Ushbu maqolada o‘zbek tilidagi frazeologizmlarning milliy-madaniy xususiyatlari, ularning xalq tafakkuri, qadriyatlari va turmush tarzi bilan uzviy bog‘liqligi tahlil etiladi. Frazeologik birliklarning mazmunida xalqning mentaliteti, tarixiy tajribasi, urf-odat va an’analari aks etgani ilmiy asosda yoritiladi. Shuningdek, maqolada o‘zbek tilidagi barqaror iboralarning badiiy-estetik va ma’naviy yuklamasi, ularning xalq og‘zaki ijodi hamda milliy o‘zlikni ifodalashdagi o‘rni misollar asosida tahlil qilinadi. Tadqiqot natijalariga ko‘ra, frazeologizmlar o‘zbek xalqining dunyoqarashi, axloqiy mezonlari va madaniy boyligini namoyon etuvchi muhim til birliklari sifatida baholanadi.

Kalit so‘zlar: frazeologizm, milliy madaniyat, xalq tafakkuri, qadriyat, mentalitet, an’ana, o‘zlik, til, badiiy ifoda.

Annotation:
This article analyzes the national and cultural features of phraseologisms in the Uzbek language and their close connection with the people’s mentality, values, and way of life. It is scientifically substantiated that the meanings of phraseological units reflect the historical experience, traditions, and worldview of the Uzbek people. The article also examines the artistic, aesthetic, and spiritual significance of stable expressions in Uzbek, illustrating their role in folk creativity and in expressing national identity. The research concludes that phraseologisms are important linguistic units that represent the worldview, moral principles, and cultural richness of the Uzbek nation.

Keywords: phraseologism, national culture, folk mentality, values, mentality, tradition, identity, language, artistic expression.

Аннотация:
В данной статье анализируются национально-культурные особенности фразеологизмов в узбекском языке, их тесная связь с народным менталитетом, ценностями и образом жизни. Научно обосновано, что в значении фразеологических единиц отражаются исторический опыт, традиции и мировоззрение узбекского народа. В статье рассматриваются художественно-эстетическая и духовная значимость устойчивых выражений, их роль в устном народном творчестве и выражении национальной самобытности. В результате исследования установлено, что фразеологизмы являются важными языковыми единицами, отражающими мировоззрение, моральные принципы и культурное богатство узбекского народа.
Ключевые слова: фразеологизм, национальная культура, народное мышление, ценности, менталитет, традиции, самобытность, язык, художественное выражение.

INTRODUCTION
The language of every nation is its spiritual wealth and an expression of its mentality. Through language, a nation reflects its worldview, traditions, and historical lifestyle. In this regard, phraseology is considered one of the brightest examples of national thinking and culture. Phraseological units in the Uzbek language also deeply reflect the lifestyle, values, and psychology of the Uzbek people. Expressing a simple idea through phraseology gives speech imagery and expressiveness. Nowadays, their usage has become common in social networks, memes, and advertisements. For example, the phrase “to disconnect from the Internet” is understood as being left behind from news or trends.

Many linguists have thoroughly studied Uzbek phraseology. For instance, Sh. Rahmatullayev is one of the founders of Uzbek phraseology. He compiled the Explanatory Dictionary of Uzbek Phraseological Units and developed the theoretical foundations of phraseology. N. Mahmudov conducted research on the role of phraseological units in literary language and their national-cultural aspects.

Phraseological units of the Uzbek language are linguistic elements that reflect the nation’s history and way of life. The contribution of the above-mentioned scholars is invaluable in the scientific study of these expressions.
The main purpose of this article is to study the national-cultural features of Uzbek phraseological units and analyze their usage on artificial intelligence platforms.

MAIN PART
At the beginning of the 20th century, phraseological units began to be studied as a separate field of linguistics. The general theoretical issues of phraseology were first investigated by the French linguist Charles Bally. In his works, Charles Bally systematized word combinations and, based on their meanings and syntactic features, referred to the stable combinations used as a whole as phraseological units.¹ According to Sh. Rahmatullayev, many expressions originate from ancient Turkic languages and have preserved their meanings to this day. In the studies of E. Begmatov and M. Mirtojiyev, the lifestyle, values, traditions, and mentality of the Uzbek people are revealed through phraseological units. Phraseological units are closely connected with the life, values, and national-cultural characteristics of the people. They enrich the artistic expressive possibilities of the language and add expressiveness, imagery, and national spirit to speech.

Review of sources used
During the preparation of this article, several scientific sources related to issues of phraseology were utilized. In her research, M. Asqarova provides detailed information about the lexical-semantic features of Uzbek phraseological units, their structural types, and their role in the language. The scholar’s views served as an important source in shaping the theoretical foundations of phraseology. Based on her scientific views, phraseological units represent the richest layer of the people’s language and culture, embodying their spiritual world, lifestyle, and national-cultural characteristics.

As a result of the works of A. Madlayeva and A. Hojiyev, phraseology has been recognized as a separate branch of Uzbek linguistics. The structure, meaning, types, and grammatical features of phraseological units have been clearly defined.
Use of Phraseological Units on Artificial Intelligence Platforms
In today’s era of globalization, artificial intelligence and digital technologies are creating new interpretations of linguistic units. Platforms such as ChatGPT, Google, and DeepL work with phraseological units during translation, processing, and text analysis. However, the national color of language is most vividly expressed through phraseology itself. Artificial intelligence often translates phraseological units literally or interprets them incorrectly. Therefore, deep linguistic knowledge is required to correctly identify and contextually translate phraseological expressions.

For example, phraseological units such as “miyasi qotmoq” (to be confused), “kallasiga keltirmoq” (to realize), “tishi o’tmoq” (to become experienced) may be translated by AI literally as “freeze of brain”, “bring to head”, or “tooth becomes sharp”. This leads to distortion of meaning.
That is why, in the process of integrating phraseological units into AI platforms, the following aspects must be taken into account:
historical formation of the expression connection with national mentality semantic field usage contexts.

Conclusion

In conclusion, phraseological units are the richest layer of a nation’s worldview, cultural memory, and mentality. They create imagery in language, give speech a national spirit, and express meaning more strongly. Since the 20th century, phraseology has developed as an independent scientific field in Uzbek linguistics and continues to develop consistently even today. In the modern digital era, the correct application of phraseological units on artificial intelligence platforms is becoming increasingly relevant. This process plays an important scientific and practical role in correctly integrating the richness of the Uzbek language into the global information space, preserving the national linguistic heritage, and transferring the cultural spirit of the people to future generations.

References
Shirvonova, Z. A. (2023). Dissertation. Termiz.
Rahmatullayev, Sh. (1978). Modern Uzbek Literary Language. Tashkent: O‘quvchi.
Ma’rufov, Z. M. (1981). Explanatory Dictionary of the Uzbek Language. Moscow: Russian Language Publishing.
Khodjaeva, Sh. R. Article.
Rahmatullayev, Sh. (2006). Modern Uzbek Language. Tashkent: University Publishing.
Abdurahmonov, G. On the Modern Uzbek Language. Tashkent.

Hands That Heal

I have seen the world through broken eyes,
Where silence screams and reason dies,
Yet even there, beneath the pain,
A trembling soul still seeks the rain.

I do not ask for thanks or name,
For love is never born of fame
Each drop of kindness that we give,
Becomes the reason hearts still live.

If madness walks, I walk beside,
No judgment there, no hate to hide.
For every wound I’ve tried to seal,
I’ve learned, it’s love that truly heals

Mohan Maharana is a renowned social worker dedicated to humanitarian service and community upliftment. Over the years, he has personally helped more than 2,000 mentally ill individuals find treatment, dignity, and hope. His current focus lies in promoting voluntary blood donation and raising awareness about its life-saving importance. Beyond his social work, he also serves as the Global Director of the World Union of Poets, contributing to the union’s mission of uniting voices across cultures through poetry and compassion.

Not Much of a Poem

Why does every poet have a poem

called “poem,” and why do empty bottles

seem more poetic than anything

I ever called a “poem”? 

Metaphorical drowning a joy

like a first drink on a Friday night,

but also the sort of death that feels as if it should rhyme.

On my best mornings, I’m a puddle

in love with its own evaporation,

while the sun writes a ‘Dear John’ letter

all over my closed eyes.

SAD

Winter nights the colour of whisky

because it’s better than darkness

telling the same story about shortening days and snow

clean as a funeral shroud.

Happiness an empty glass,

while blacked out laughter

better than another evening

remembering there’s less and less light

and how my bed is inviting like a grave.

Background Noise

Better than silence,

and even if it doesn’t know

my name and can never learn it,

it welcomes me and this poem home,

along with so many others

who believe they’re louder

than they are.