Digital transformation of Commercial Banks in Kyrgyzstan driven by artificial intelligence: Efficiency, Risk and Policy Response
Year: 2025
Type: article
Abstract: This study delves into the application of artificial intelligence (AI) in the digital transformation of Kyrgyzstan’s commercial banks, its impact on economic efficiency and risk exposure, and proposes policy responses. Using panel data from 2019 to 2023 and a TOE analysis framework, it reveals an inverted U-shaped relationship between AI investment and bank efficiency, higher initial cybersecurity risks that diminish with system maturity, and significant government policy support. The study suggests dynamic risk management and regional fintech collaboration to boost the digital financial ecosystem in Kyrgyzstan and Central Asia.
Source: Insights of Economics System
DOI: 10.63808/ies.v1i2.61
Author: Xin Cui
Institution: Kyrgyz State National University
Language: English
Domain: Social Sciences
Open Access status: bronze
OpenAlex ID: W4413230215