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Financial Inclusion. 
Despite the potential of AI to democratize financial services, Uzbekistan 
still grapples with financial exclusion, especially in rural areas and among marginalized 
populations. Traditional banking structures often overlook remote and underserved communities. 
The lack of customized AI-driven solutions catering to diverse population needs, coupled with 
low financial literacy levels, further hampers inclusion. 
RECOMMENDATIONS FOR UZBEKISTAN: LESSONS FROM DEVELOPED 
COUNTRIES 
Drawing from the experiences and successes of developed countries, here are some targeted 
recommendations for both developing and underdeveloped nations: 
1.
Public-Private Partnerships: Engage in collaborations between government and private 
sectors to stimulate investment in technological infrastructure and innovation. 

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2.
Global Collaboration and Standards: Align with international standards and engage in global 
collaborations to harness collective knowledge and resources. 
3.
Tailored Regulatory Framework: Develop and implement regulations that are both consistent 
with global norms and tailored to the unique needs and challenges of each country. 
4.
Focus on Education and Training: Invest in education and training programs to nurture 
home-grown talents and to enhance technological literacy among the general populace. 
5.
Promote Financial Inclusion: Leverage AI to enhance financial inclusion, providing services 
to underserved areas and populations, thus contributing to economic growth. 
6.
Emphasize Ethical and Secure Practices: Establish stringent ethical guidelines and security 
protocols that are aligned with international best practices. 
7.
Sustainability and Scalability: Plan and execute AI integration with a focus on long-term 
sustainability and scalability to ensure continuous growth and adaptability. 
8.
Learn from Success Stories: Analyze and learn from the success stories of developed 
countries and adapt strategies that align with local needs and capacities.