TY JOUR TI AUTOMATION OF THE PROCESS OF PRELIMINARY ASSESSMENT OF CREDITWORTHINESS OF COMMERCIAL BANK CLIENTS KW bank KW creditworthiness KW assessment process KW efficiency KW automation KW customers KW service KW banking services JO Russian Journal of Management AU ZARIPOVA, K.I. AU NURIEV, M.G. PY 2025 IS 12 PB Publishing Center RIOR