The article studies the scientific and practical aspects of improving credit analysis in Uzbek banks based on modern methods - big data and digital mirror technologies. The study analyzes statistical data from the 2024 report of the Central Bank of Uzbekistan, documents "Banking Reform Strategy-2025", as well as practical experience of institutions such as Uzpromstroybank and Xalq Bank. The essence of digital mirror systems, their role in reducing credit risk, integration of data sources (soliq.uz, my.gov.uz, social networks) are shown. The problems section covers the issues of data security, lack of legal basis, and customer distrust. The conclusion presents proposals for automating credit analysis, a centralized data platform, and personnel training.

Big data, digital mirror, credit analysis, scoring system, artificial intelligence, Uzbek banks, data security.

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