{"id":1969,"date":"2026-08-01T09:57:42","date_gmt":"2026-08-01T04:57:42","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1969"},"modified":"2026-08-01T09:57:56","modified_gmt":"2026-08-01T04:57:56","slug":"%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d0%b8-%d0%ba%d1%80%d0%b5%d0%b4%d0%b8%d1%82%d0%bd%d0%be%d0%b3%d0%be-%d1%81%d0%ba%d0%be%d1%80%d0%b8%d0%bd%d0%b3%d0%b0-%d0%bd%d0%b0-%d0%be%d1%81%d0%bd%d0%be%d0%b2%d0%b5","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1969","title":{"rendered":"\u041c\u041e\u0414\u0415\u041b\u0418 \u041a\u0420\u0415\u0414\u0418\u0422\u041d\u041e\u0413\u041e \u0421\u041a\u041e\u0420\u0418\u041d\u0413\u0410 \u041d\u0410 \u041e\u0421\u041d\u041e\u0412\u0415 \u0411\u041e\u041b\u042c\u0428\u0418\u0425 \u0414\u0410\u041d\u041d\u042b\u0425: \u0412\u041b\u0418\u042f\u041d\u0418\u0415 \u041d\u0410 \u0420\u041e\u0421\u0422 \u0412\u042b\u0420\u0423\u0427\u041a\u0418 \u0424\u0418\u041d\u0422\u0415\u0425-\u041a\u041e\u041c\u041f\u0410\u041d\u0418\u0419"},"content":{"rendered":"\n<p><strong>\u0410\u0434\u0438\u043b\u043e\u0432 \u0420\u0443\u0441\u0442\u0430\u043c<\/strong><\/p>\n\n\n\n<p><em>\u0441\u0442\u0443\u0434\u0435\u043d\u0442 \u0431\u0430\u043a\u0430\u043b\u0430\u0432\u0440\u0438\u0430\u0442\u0430, \u043a\u0430\u0444\u0435\u0434\u0440\u0430 \u043a\u043e\u043c\u043f\u044c\u044e\u0442\u0435\u0440\u043d\u044b\u0445 \u043d\u0430\u0443\u043a<\/em><\/p>\n\n\n\n<p><em>\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0418\u041d\u0425\u0410 \u0432 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0435<\/em><\/p>\n\n\n\n<p><em>ORCID<\/em><em>: 0009-0004-7250-4627<\/em><\/p>\n\n\n\n<p><em>Email: <a href=\"mailto:rstmadylov@gmail.com\">rstmadylov@gmail.com<\/a><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/em><\/strong><em>. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u0435\u0442\u0441\u044f \u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0441\u043a\u043e\u0440\u0438\u043d\u0433\u0430 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0431\u043e\u043b\u044c\u0448\u0438\u0445 \u0434\u0430\u043d\u043d\u044b\u0445 \u0438 \u043c\u0430\u0448\u0438\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u044f \u043d\u0430 \u0432\u044b\u0440\u0443\u0447\u043a\u0443 \u0444\u0438\u043d\u0442\u0435\u0445-\u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439. \u0410\u0432\u0442\u043e\u0440 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b \u0440\u043e\u0441\u0442\u0430 \u0434\u043e\u0445\u043e\u0434\u0430 \u0447\u0435\u0440\u0435\u0437 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f, \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0434\u0435\u0444\u043e\u043b\u0442\u0430 \u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0438\u0437\u0434\u0435\u0440\u0436\u043a\u0438, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0441\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u0442\u0438\u043f\u044b \u0441\u043a\u043e\u0440\u0438\u043d\u0433\u043e\u0432\u044b\u0445 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u043f\u043e \u0438\u0445 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043e\u0442\u0434\u0430\u0447\u0435.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430: <\/em><\/strong><em>\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0441\u043a\u043e\u0440\u0438\u043d\u0433, \u0431\u043e\u043b\u044c\u0448\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435, \u043c\u0430\u0448\u0438\u043d\u043d\u043e\u0435 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u0435, \u0444\u0438\u043d\u0442\u0435\u0445, \u0440\u043e\u0441\u0442 \u0432\u044b\u0440\u0443\u0447\u043a\u0438, \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0434\u0435\u0444\u043e\u043b\u0442\u0430, \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f, \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0438\u043d\u043a\u043b\u044e\u0437\u0438\u044f, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0438\u0441\u043a, \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0438\u0437\u0434\u0435\u0440\u0436\u043a\u0438<\/em><em>.<\/em><\/p>\n\n\n\n<p><strong>KATTA MA\u2019LUMOTLARGA ASOSLANGAN KREDIT SKORINGI MODELLARI: FINTEX KOMPANIYALARI DAROMADINI OSHIRISHDAGI TA\u2019SIRI<\/strong><\/p>\n\n\n\n<p><strong>Adilov Rustam<\/strong><\/p>\n\n\n\n<p><em>Bakalavriat talabasi, Kompyuter fanlari kafedrasi<\/em><\/p>\n\n\n\n<p><em>Toshkentdagi INHA universiteti<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0004-7250-4627<\/em><\/p>\n\n\n\n<p><em>&nbsp;&nbsp;&nbsp;&nbsp; Email: <a href=\"mailto:rstmadylov@gmail.com\">rstmadylov@gmail.com<\/a><\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya<\/em><\/strong><em>. Maqolada katta ma\u2019lumotlar va mashinali o\u2018qitish asosidagi kredit skoringi modellarining fintex kompaniyalari daromadiga ta\u2019siri tahlil qilinadi. Muallif tasdiqlash darajasi, defolt darajasi va operatsion xarajatlar orqali daromad o\u2018sishi mexanizmlarini ko\u2018rib chiqadi hamda skoring modellari turlarini qiyoslaydi.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar: <\/em><\/strong><em>kredit skoringi, katta ma\u2019lumotlar, mashinali o\u2018qitish, fintex, daromad o\u2018sishi, defolt darajasi, tasdiqlash darajasi, muqobil ma\u2019lumotlar, moliyaviy inklyuziya, kredit riski, operatsion xarajatlar.<\/em><\/p>\n\n\n\n<p><strong>BIG DATA-DRIVEN CREDIT SCORING MODELS: IMPACT ON FINTECH COMPANY REVENUE GROWTH<\/strong><\/p>\n\n\n\n<p><strong>Adilov Rustam<\/strong><\/p>\n\n\n\n<p><em>Undergraduate Student, Department of Computer Science<\/em><\/p>\n\n\n\n<p><em>INHA University in Tashkent<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0004-7250-4627<\/em><\/p>\n\n\n\n<p><em>Email: <a href=\"mailto:rstmadylov@gmail.com\">rstmadylov@gmail.com<\/a><\/em><\/p>\n\n\n\n<p><strong><em>Abstract<\/em><\/strong><em>. This article analyzes the impact of Big Data- and machine-learning-based credit scoring models on the revenue of fintech companies. The author examines revenue-growth mechanisms through approval rates, default rates and operating costs, and compares scoring model types by their economic returns.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords: <\/em><\/strong><em>credit scoring, big data, machine learning, fintech, revenue growth, default rate, approval rate, alternative data, financial inclusion, credit risk, operating costs.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/12.-\u0410\u0434\u0438\u043b\u043e\u0432-\u0420\u0443\u0441\u0442\u0430\u043c.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 12. \u0410\u0434\u0438\u043b\u043e\u0432 \u0420\u0443\u0441\u0442\u0430\u043c.\"><\/object><a id=\"wp-block-file--media-6a55777f-d4b2-428e-9901-11bc396d343f\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/12.-\u0410\u0434\u0438\u043b\u043e\u0432-\u0420\u0443\u0441\u0442\u0430\u043c.pdf\">12. \u0410\u0434\u0438\u043b\u043e\u0432 \u0420\u0443\u0441\u0442\u0430\u043c<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/12.-\u0410\u0434\u0438\u043b\u043e\u0432-\u0420\u0443\u0441\u0442\u0430\u043c.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-6a55777f-d4b2-428e-9901-11bc396d343f\">Download<\/a><\/div>\n\n\n\n<p><strong>\u041b\u0438\u0442\u0435\u0440\u0430\u0442\u0443\u0440\u044b<\/strong><strong><\/strong><\/p>\n\n\n\n<p>1. Li C., Wang H., Jiang S., Gu B. The Effect of AI-Enabled Credit Scoring on Financial Inclusion: Evidence from an Underserved Population of over One Million \/\/ MIS Quarterly. \u2013 2024. \u2013 Vol. 48, No. 4. \u2013 P. 1803\u20131834.<\/p>\n\n\n\n<p>2. Chen H., Chiang R. H. L., Storey V. C. Business Intelligence and Analytics: From Big Data to Big Impact \/\/ MIS Quarterly. \u2013 2012. \u2013 Vol. 36, No. 4. \u2013 P. 1165\u20131188.<\/p>\n\n\n\n<p>3. Financial Stability Board. FinTech Credit: Market Structure, Business Models and Financial Stability Implications. \u2013 Basel: FSB, 2017.<\/p>\n\n\n\n<p>4. Machine Learning Powered Financial Credit Scoring: a Systematic Literature Review \/\/ Artificial Intelligence Review (Springer). \u2013 2025.<\/p>\n\n\n\n<p>5. Bank Loan Prediction Using Machine Learning Techniques \/\/ arXiv preprint arXiv:2410.08886. \u2013 2024.<\/p>\n\n\n\n<p>6. Explainable Artificial Intelligence Credit Risk Assessment Using Machine Learning \/\/ arXiv preprint arXiv:2506.19383. \u2013 2025.<\/p>\n\n\n\n<p>7. Machine Learning for Credit Scoring and Loan Default Prediction Using Behavioral and Transactional Financial Data. \u2013 2025.<\/p>\n\n\n\n<p>8. Cheng M., Qu Y. Does Bank FinTech Reduce Credit Risk? Evidence from China \/\/ Pacific-Basin Finance Journal. \u2013 2020. \u2013 Vol. 63. \u2013 Art. 101398.<\/p>\n\n\n\n<p>9. Wu Y. H., Bai L., Chen X. How Does the Development of Fintech Affect Financial Efficiency? Evidence from China \/\/ Economic Research-Ekonomska Istra\u017eivanja. \u2013 2023. \u2013 Vol. 36, No. 2. \u2013 P. 2980\u20132998.<\/p>\n\n\n\n<p>10. Machine Learning Algorithms for Bank Credit Scoring: Case of SoFi Technologies \/\/ Svitla Systems, analytical review. \u2013 2023.<\/p>\n\n\n\n<p>11. AI Credit Scoring for Banks: Model Types, Implementation Guide \/\/ Neontri, analytical report. \u2013 2026.<\/p>\n\n\n\n<p>12. Rahman S. U., Faisal F., Ali A., Sulimany H. G. H., Bazhair A. H. Do Financial Technology and Financial Development Lessen Shadow Economy? Evidence from BRICST Economies \/\/ Quarterly Review of Economics and Finance. \u2013 2023. \u2013 Vol. 90. \u2013 P. 201\u2013210.<\/p>\n\n\n\n<p>13 .V. Mittal, Z. Mamadiyarov, O. Nazarbaev, S. Akhmedov, M. Alikulov and P. K. Shukla, &laquo;High Rated Financial Transactions using Deep Learning Algorithm: A Way to Smart Banking Automation,&raquo;\u00a0<em>2025 International Conference on Emerging Technologies and Innovation for Sustainability (EmergIN)<\/em>, Greater Noida, India, 2025, pp. 1033-1039, doi: 10.1109\/EmergIN67762.2025.11450679.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0410\u0434\u0438\u043b\u043e\u0432 \u0420\u0443\u0441\u0442\u0430\u043c \u0441\u0442\u0443\u0434\u0435\u043d\u0442 \u0431\u0430\u043a\u0430\u043b\u0430\u0432\u0440\u0438\u0430\u0442\u0430, \u043a\u0430\u0444\u0435\u0434\u0440\u0430 \u043a\u043e\u043c\u043f\u044c\u044e\u0442\u0435\u0440\u043d\u044b\u0445 \u043d\u0430\u0443\u043a \u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0418\u041d\u0425\u0410 \u0432 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0435 ORCID: 0009-0004-7250-4627 Email: rstmadylov@gmail.com \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u0435\u0442\u0441\u044f \u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-1969","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - 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