STRATEGIC INTEGRATION OF ARTIFICIAL INTELLIGENCE AND OPEN BANKING IN EMERGING FINANCIAL ECOSYSTEMS: IMPLICATIONS FOR FINANCIAL INCLUSION AND BANKING EFFICIENCY

Erejepova Jiengul Tajetovna

Authors

Erejepova Jiengul Tajetovna Karakalpak State University named after Berdakh Department of Economics, tourism and business management. Associate Professor, Ph.D.

Keywords:

Artificial Intelligence, Open Banking, Financial Ecosystem, Digital Banking, Financial Inclusion, Banking Efficiency, Fintech, Emerging Economies, Digital Transformation, AI-Driven Banking.

Abstract

The rapid digital transformation of the global financial sector has accelerated the integration of artificial intelligence technologies and Open Banking systems into commercial banking activities. In emerging economies, these processes are becoming important drivers for improving financial inclusion, increasing operational efficiency, and enhancing the strategic adaptability of banking institutions. This study examines the role of AI-driven Open Banking ecosystems in transforming traditional banking models into integrated digital financial platforms. The research analyzes institutional, technological, and strategic factors influencing the effectiveness of digital banking ecosystems in emerging markets.

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