AI-DRIVEN PERSONALIZATION IN DIGITAL BANKING IN UZBEKISTAN: ENHANCING CUSTOMER EXPERIENCE AND FINANCIAL INCLUSION THROUGH TAILORED SOLUTIONS

This article explores the transformative role of AI-driven personalization in the digital banking sector, focusing on its dual impact on enhancing customer experience and advancing financial inclusion. Through a review of literature and international case studies, the study identifies key AI technologies, such as machine learning for product recommendations and AI-powered credit scoring, as instrumental in tailoring financial services. The research also addresses critical challenges, including data privacy, algorithmic bias, and a lack of proper governance. Finally, it contextualizes these global insights within the emerging market of Uzbekistan, highlighting the unique opportunities and barriers to responsible AI adoption in the region.