WAYS TO REDUCE PROBLEM LOANS OF COMMERCIAL BANKS IN THE DIGITAL ECONOMY.

Baymuratova Zina Aqilbekovna

Authors

Baymuratova Zina Aqilbekovna Author

Abstract

This article explores effective approaches to reducing problem loans in commercial banks within the context of the digital economy. The digital transformation of financial services introduces both opportunities and risks, requiring banks to adopt innovative risk management tools and data-driven decision-making models. The study highlights modern digital tools such as AI-based credit scoring, real-time transaction monitoring, and blockchain technology, evaluating their impact on credit risk mitigation. Recommendations for improving regulatory frameworks and customer transparency are also provided.

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