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Journal articles on the topic 'Business models of banking business'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Onyshchenko, Yuliya. "BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM." Baltic Journal of Economic Studies 1, no. 2 (2015): 115–21. http://dx.doi.org/10.30525/2256-0742/2015-1-2-115-121.

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Sreeramana, Aithal. "A Review on various E-business and M-business models & Research Opportunities." International Journal of Management, IT and Engineering (IJMIE) 6, no. 1 (2016): 275–98. https://doi.org/10.5281/zenodo.161146.

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A business model is a set of process/activities that results in sustainable profit through desired revenue and customer value. The business model spells out how a company makes money by specifying its position in the value chain. A business model which uses electronic communication technology such as internet for exchanging information is called e-business model. The e-business model includes the roles and relationships among a firm's customers, allies, and suppliers; the major flows of product, services, information, and money; and the major benefits to the participants. This paper contains r

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Podrugina, A., K. Lysenko, and M. Y. Y. Maykhrovich. "US Banking Crises: Vulnerable Business Models." Higher School of Economics Economic Journal 28, no. 3 (2024): 525–51. http://dx.doi.org/10.17323/1813-8691-2024-28-3-525-554.

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D’yakonova, I., O. Pakhnenko, and L. Shevchenko. "NEW APPROACHES TO BANKING BUSINESS MODELS IN THE DIGITAL ECONOMY." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 89–94. http://dx.doi.org/10.21272/1817-9215.2019.1-12.

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The factors of the post-crisis development of the world banking system, the strengthening of the role of information technology in all industries, the increasing role of innovative Fintech intermediaries in the banking market encourage the management of banks to revise traditional business models and to form new approaches to managing the modern bank. In the article the authors aimed to investigate the impact of digitization on the choice of banking business model and the development of algorithm for estimating a bank’s business model. Traditionally banks choose one of five business models: le

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عبد العزيز, أحمد سمير. "Sustainable Banking: Evaluation of Egyptian Business Models." المجلة العلمية للدراسات والبحوث المالية والتجارية 6, no. 1 (2025): 1117–44. https://doi.org/10.21608/cfdj.2025.350709.2139.

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Баржаев, Р. Р. "Transformation of business-models of Russian banks." Экономика и предпринимательство, no. 5(118) (June 11, 2020): 729–34. http://dx.doi.org/10.34925/eip.2020.118.5.148.

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Банковский бизнес в России всегда был неоднороден. Характер бизнеса каждого банка зависит от размера его капитала и активов, формы собственности и целей, которые ставятся перед менеджерами. В условиях активно изменяющейся макросреды финансовые институты активно проявляют существенный интерес в укреплении своего положения на рынке, поддержании и развитии финансовой устойчивости, эффективности и производительности своей операционной деятельности, создании «уникальных» банковских продуктов и услуг, внедрении современных банковских технологий и т.п. В течение ближайших 5 лет формировать структуру

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Galletta and Mazzù. "Liquidity Risk Drivers and Bank Business Models." Risks 7, no. 3 (2019): 89. http://dx.doi.org/10.3390/risks7030089.

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This paper examines the bank liquidity risk while using a maturity mismatch indicator of loans and deposits (LTDm) during a specific period. Core banking activities that are based on the process of maturity transformation are the most exposed to liquidity risk. The financial crisis in 2007–2009 highlighted the importance of liquidity to the functioning of both the financial markets and the banking sector. We investigate how characteristics of a bank, such as size, capital, and business model, are related to liquidity risk, while using a sample of European banks in the period after the financia

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Goncharenko, Tetiana. "From Business Modelling to the Leadership and Innovation in Business: Bibliometric Analysis (Banking as a Case)." Business Ethics and Leadership 4, no. 1 (2020): 113–25. http://dx.doi.org/10.21272/bel.4(1).113-125.2020.

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The analysis of approaches to defining the banking business model showed that digital financial technologies, e-commerce, information management are important factors that form the model of leadership and innovation in business. The development of risk management, risk assessment, profitability-risk-stability triangle balancing, which create relevant trends in the formation of business leadership models, has increasing importance for managers, clients and shareholders. The article identifies the dominant tendencies in the development of scientific thought (based on 6377 articles from 1991-2019

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Nosratabadi, Saeed, Gergo Pinter, Amir Mosavi, and Sandor Semperger. "Sustainable Banking; Evaluation of the European Business Models." Sustainability 12, no. 6 (2020): 2314. http://dx.doi.org/10.3390/su12062314.

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Sustainability has become one of the challenges of today’s banks. Since sustainable business models are responsible for the environment and society along with generating economic benefits, they are an attractive approach to sustainability. Sustainable business models also offer banks competitive advantages such as increasing brand reputation and cost reduction. However, no framework is presented to evaluate the sustainability of banking business models. To bridge this theoretical gap, the current study using A Delphi-Analytic Hierarchy Process method, firstly, developed a sustainable business

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Siddique, Md Tarake, Mohammad Iftekhar Ayub, Paresh Chandra Nath, et al. "AI-Powered Sentiment Analytics in Banking: A BERT and LSTM Perspective." International Interdisciplinary Business Economics Advancement Journal 6, no. 5 (2025): 135–47. https://doi.org/10.55640/business/volume06issue05-07.

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In recent years, the banking industry has witnessed a surge in digital feedback channels, where customers regularly share their experiences and opinions. Extracting meaningful insights from this unstructured data is vital for enhancing customer satisfaction and service quality. This study presents a comparative analysis of two advanced deep learning models—Long Short-Term Memory (LSTM) and Bidirectional Encoder Representations from Transformers (BERT)—to classify the sentiment of bank customer reviews into positive, negative, and neutral categories. A cleaned and preprocessed dataset consistin

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Paul. "Business Models and Banking Regulation Are Going Forward." EUROPEAN RESEARCH STUDIES JOURNAL XXII, Issue 4 (2019): 168–78. http://dx.doi.org/10.35808/ersj/1504.

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Marques, Bernardo P., and Carlos F. Alves. "Using clustering ensemble to identify banking business models." Intelligent Systems in Accounting, Finance and Management 27, no. 2 (2020): 66–94. http://dx.doi.org/10.1002/isaf.1471.

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Kuznyetsova, Аnzhela, Іryna Boiarko, Viсtoria Rudevska, and Vladyslav Maslov. "Development of business architecture of the banking sector based on public-private partnership." Banks and Bank Systems 17, no. 2 (2022): 150–62. http://dx.doi.org/10.21511/bbs.17(2).2022.13.

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The purpose of the paper is to identify promising areas of business architecture of the banking sector of Ukraine’s economy based on public-private partnerships. Business architecture integrates risks due to the predominance in a certain period of development of the banking sector of different business models. Its development should involve the subordination of private interests of the banking business to national and public needs to achieve economic growth. Such a public-private partnership should become an institutional tool for the formation and functioning of a business architecture, based

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Ramdani, Boumediene, Ben Rothwell, and Elias Boukrami. "Open Banking: The Emergence of New Digital Business Models." International Journal of Innovation and Technology Management 17, no. 05 (2020): 2050033. http://dx.doi.org/10.1142/s0219877020500339.

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Open banking has recently been advanced as a measure to foster competition and innovation in the retail banking sector. Since its introduction in the UK, a number of banks have created new digital business models (BMs) that offer individuals and businesses access to more personalized financial services. Yet, it is still unclear what new entrants (smaller and newer banks) have done to potentially disrupt incumbents (larger and well-established banks). To shed light on the innovations in BMs that have been initiated by digital banks to move away from traditional retail banking BM, seven digital

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Ahmed, Owais. "Innovative Business Models: Emerging Markets Perspective." International Journal of Business and Management Research 6, no. 1 (2018): 1–2. http://dx.doi.org/10.37391/ijbmr.060101.

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Emerging markets opened up humungous investment opportunities across different sectors like telecommunication, utility services, logistics, healthcare, and banking. Marketers invest millions in creating facilities, layout, capital, work force, communication programs, and distribution channels. However, marketers having compatible business model meet success. Business model meeting regional sensitivities, requirements; conform norms, procedures; break even. Therefore, a part from innovative technology, innovative business model create successful venture. The current study would explore various

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Bley, Andreas. "Limited diversity—business models of German cooperative banks." Vierteljahrshefte zur Wirtschaftsforschung 87, no. 4 (2018): 55–66. http://dx.doi.org/10.3790/vjh.87.4.55.

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Zusammenfassung: Die strukturelle Vielfalt auf dem deutschen Bankenmarkt und die damit verbundene Vielfalt von Geschäftsmodellen dürfte in den vergangenen Jahrzehnten ein wichtiger Stabilitätsfaktor am deutschen Bankenmarkt gewesen sein. Diese Vielfalt zeigt sich zum einen in der 3-Säulen-Struktur der deutschen Kreditwirtschaft, zum anderen aber auch innerhalb der Säulen selbst. Für die deutschen Genossenschaftsbanken dokumentiert eine empirische Analyse eine begrenzte Vielfalt der Geschäftsmodelle. Fast alle Genossenschaftsbanken konzentrieren sich auf das Kredit- und Einlagengeschäft mit Kun

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Dudin, M. N., S. V. Shkodinskii, and D. I. Usmanov. "Key Trends and Regulations of the Development of Digital business Models of banking services in Industry 4.0." Finance: Theory and Practice 25, no. 5 (2021): 59–78. http://dx.doi.org/10.26794/2587-5671-2021-25-5-59-78.

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The subject of the research is trends in the implementation of digital technologies in the banking sector. The relevance of the paper is due to the objective processes of global digital intervention of technologies in all spheres of human life and society. The research aims to identify, systematize and generalize key trends and regulations in the development of digital business models of banking services in Industry 4.0. For the first time, the authors identified and systematized modern trends and regulations in the development of digital business models of banking services in Industry 4.0, of

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TKACHENKO, Oleksandr. "BUSINESS ARCHITECTURE OF THE BANKING SECTOR: CONTENT AND DETERMINING PARAMETERS OF FORMATION." WORLD OF FINANCE, no. 3(76) (2024): 77–87. http://dx.doi.org/10.35774/sf2023.03.077.

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Introduction. The banking sector is one of the most dynamic spheres of economic life. That is why the problem of forming an effective business architecture of the banking sector, which would ensure its financial stability and contribute to the economic development of the national economy, is important. The purpose of the article is to substantiate the content of business architecture, based on the specifics of the banking sector, and outline the fundamental factors of its formation. Results. The main markers determining the need to ensure the continuity of the banking sector are outlined. The

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Atca Gorgun, Ozenc, and Bert Wolfs. "Impact of the new digital competitors on Swiss banking business models." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 2 (2021): 33–45. http://dx.doi.org/10.20525/ijrbs.v10i2.1055.

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This study examines the impact of new digital-only competitors on the Swiss banking business models and value chain. Despite various studies and articles available in the literature about the impact of new digital competitors on the banking industry, there is little research focusing on the Swiss market. The comprehensive research conducted in this study and the data collected through the survey provides a foundation to gauge the impact of the new digital competitors’ pressure on business models and value chain in the Swiss banking industry. The design of the research instrument employed for c

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Memic, Elma, Markus Lamest, Sven Muehlenbrock, and Ashwin Ittoo. "How Does the Banking Business Model Evolve and Integrate in a Platform Ecosystem?" Journal of Business Ecosystems 2, no. 2 (2021): 1–23. http://dx.doi.org/10.4018/jbe.295556.

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The banking environment is changing rapidly and banks, in order to stay competitive, need to take these changes into consideration. This study focusses on Open Banking, a phenomenon that has been accentuated by the regulation PSD2. Indeed, our aim is to study the impact of Open Banking on banks’ business models and to explore how this phenomenon led banks to go towards a platform-based business model. Our contribution is to suggest a business model, based on previous theoretical business models, that will suit banks’ needs to elaborate their own strategy and way of creating value by considerin

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Rudevska, V., N. Shvetz, and O. Storozhenko. "THEORETICAL APPROACHES TO THE CLASSIFICATION AND SYSTEMATIZATION OF BANKS BY BUSINESS MODELS." Financial and credit activity: problems of theory and practice 2, no. 37 (2021): 24–36. http://dx.doi.org/10.18371/fcaptp.v2i37.229930.

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Abstract Banking institutions are subject to change in the business model depending on external conditions, which may be due to changes in market needs and changes in the competitive environment or regulation. Depending on the business model of banks, they may react differently to the influence of external and internal factors. This situation in the future may lead to changes in the business architecture of the banking sector and affect the country's economic growth. The article considers the approaches to the classification of banks by business models, a critical analysis of existing approach

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Jatić, Sead, and Milena Ilić. "Traditional and new business models in the banking industry." Bankarstvo 47, no. 1 (2018): 106–17. http://dx.doi.org/10.5937/bankarstvo1801106j.

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Bortnikov, Gennadiy, and Ievgenii Drachko-Yermolenko. "BUSINESS MODELS OF UKRAINIAN SAVINGS BANKS." Fìnansi Ukraïni 2024, no. 1 (2024): 86–103. http://dx.doi.org/10.33763/finukr2024.01.086.

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In the banking system, savings banks represent a special component, as they form their resource base mainly due to the accumulation of population savings. Problem Statement. Ukrainian savings banks are a factor in ensuring financial stability, but at the same time they are vulnerable to depositors’ panic in conditions of systemic stresses. Therefore, the analysis of their activities is important for understanding the prospects of the banking system. Savings banks in Ukraine differ significantly in scale and level of business technology. Leading savings banks are planned by the state for privat

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Hryckiewicz, Aneta, and Łukasz Kozłowski. "Banking business models and the nature of financial crisis." Journal of International Money and Finance 71 (March 2017): 1–24. http://dx.doi.org/10.1016/j.jimonfin.2016.10.008.

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Do Kim, Du, Huyen Do Phuong, and Tam Le Xuan. "Diversifying Business Models and Bank Stability." European Journal of Business and Management Research 7, no. 3 (2022): 299–303. http://dx.doi.org/10.24018/ejbmr.2022.7.3.1447.

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Research on banking sustainability plays an important role for banks in the growing financial market. As a result, banks must compete more, making the risk of weak banks increase. This study was conducted to evaluate the impact of business models on bank stability — analytical data on joint-stock commercial banks listed on the Vietnam stock exchange from 2012 to 2019. The panel data regression analysis model with a generalized method of moments (GMM) is used to analyze the results. The GMM results show that net interest income (NII) has a positive effect on bank stability. On the other hand, n

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Lavrushin, O. I. "On Modernization of Regulation and New Models of Banking Business Development." Economics, taxes & law 11, no. 3 (2018): 14–19. http://dx.doi.org/10.26794/1999-849x-2018-11-3-14-19.

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The subject of the research is the problems of improving the regulation of the banking sector and new models for its development under the economic volatility conditions. The purpose of the research was to identify problems that affect the banking sector performance and the stability achieved. The research findings revealed that the emerging disproportions in economic development and the imperfection of risk management are urging banks to seek business models based on a comprehensive assessment of the monetary institutions efficiency covering the economic, social and organizational aspects of

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Todupunuri, Archana. "Develop Machine Learning Models to Predict Customer Lifetime Value for Banking Customers, Helping Banks Optimize Services." International Journal of All Research Education & Scientific Methods 12, no. 10 (2024): 1254–59. http://dx.doi.org/10.56025/ijaresm.2024.1210241254.

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The machine learning algorithms are useful in obtaining suitable data related to customer lifetime value for the banking professionals. The banking officials utilise the Customer lifetime value for fostering suitable business strategies to enhance customer satisfaction in this competitive market. This present study include knowledge regarding machine learning model inclusion to predict customer lifetime values in taking services as well as analysing customer motivation for a banking sector. Inclusion of ML is also effective to handle customer insight in managing business profitability in manag

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Goncharenko, Tetiana. "ANALYSIS OF MODELS OF BANKING BUSINESS STRATEGY: INTERNATIONAL AND DOMESTIC EXPERIENCE." Economic Analysis, no. 30(1, Part 1) (2020): 42–49. http://dx.doi.org/10.35774/econa2020.01.01.042.

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Introduction. In the current conditions of development, banks are influenced by numerous external factors at the international and national level, as well as economic, political, social and technological trends, which contribute to the need to change the features of their activities. These include, first of all, the review of banks' business strategies as the main reflections of their activities, as well as the use of more effective types of them in accordance with the specifics of the institution. This issue is the subject of extensive research by both domestic and foreign scientists and requ

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Oh, Sangseung, Gyongchan Chung, and Keuntae Cho. "New Sustainable Fintech Business Models Created by Open Application Programming Interface Technology: A Case Study of Korea’s Open Banking Application Programming Interface Platform." Sustainability 16, no. 16 (2024): 7187. http://dx.doi.org/10.3390/su16167187.

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Fintech facilitates financial inclusion by introducing new sustainable and accessible business models in developing countries. Open banking API technology is used by various fintech businesses in both developing and developed countries, with varying effects on financial markets. It changes the financial market distribution structure by separating financial product manufacturing and distribution and intensifying competition between traditional financial institutions and fintech companies. Fintech companies innovate by using this tool to create new business models. In December 2019, Korea establ

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Harimaya, Kozo, and Koichi Kagitani. "Performance of agricultural cooperative banks in Japan." Agricultural Finance Review 80, no. 1 (2019): 38–50. http://dx.doi.org/10.1108/afr-03-2019-0036.

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Purpose The purpose of this paper is to investigate the efficiency of the banking business of Japan’s agricultural cooperatives (JAs), which depend heavily on financial business with non-farmers, contradictory to cooperative principles. Design/methodology/approach The authors construct a panel data set over 2005–2016 from the financial statements of JAs’ prefectural-level federations and use the input distance stochastic frontier model with a time-variant inefficiency effect for analysis. Both the flow and stock measures of the banking output are used in identical models and the efficiency res

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Жданович, В. В. "Strategies and business models of banks amid digital technologies." Экономика и предпринимательство, no. 2(115) (May 6, 2020): 838–41. http://dx.doi.org/10.34925/eip.2020.115.2.168.

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В данной статье дается краткий обзор того, как бизнес-модели развиваются в банковской сфере в условиях нестабильной макроэкономической ситуации и развития цифровых технологий, а также описываются возможные стратегии, с помощью которых банки могут реструктурировать свои бизнес-модели. Анализ бизнес-моделей выходит за рамки рассмотрения традиционных показателей банковских рисков и должен дать надзорным органам более глубокое понимание устойчивости банковской прибыли и понесенных рисков. This article gives a brief overview of how business models are developing in the banking sector in the face of

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Mishra, Shrutika, and A. R. Tripathi. "Platform business model on state-of-the-art business learning use case." International Journal of Financial Engineering 07, no. 02 (2020): 2050015. http://dx.doi.org/10.1142/s2424786320500152.

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The banking and economic services in business and management are fully secured and identified by block chain technologies and have many returns and benefits in the business industry. The digital platform using block chain technology and business models is a good prototype to explore and enhance their business. This paper focused on preliminary background of digital platform and their exploration on business and strategy in the market. We have also discussed about the business model of different ventures and discussed how they are earning money without their assets and its business sway.

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Redita Suryadarma, Fatika, and Pujiyono Pujiyono. "Implementation of Prudential Principles in Risk Management in Digital Banking Business Models." Devotion : Journal of Research and Community Service 6, no. 1 (2025): 19–29. https://doi.org/10.59188/devotion.v6i1.25408.

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In the era of digital transformation, banking faces various challenges such as cyber, operational, and reputation risks, so that the principle of prudence in risk management of banking business models becomes an urgency that cannot be ignored. The purpose of this study is to analyze the implementation of the principle of prudence in risk management in digital banking business models. This study uses a normative research method with a legislative approach and a conceptual approach. The results of this study indicate that the principle of prudence in the digital banking sector plays a fundamenta

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Panova, Galina. "Evolution of traditional banks' business models." International Review, no. 1-2 (2021): 146–52. http://dx.doi.org/10.5937/intrev2102148p.

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The article considers topical issues of how banks are developing in the new realities of the digital economy, and presents the results of research on theoretical and practical aspects of banks' business models evolution. The methodology uses such approaches as scientific abstraction, system and factor analysis, methods of grouping, detailing, and synthesis. The topic is relevant for banks first of all from the economic science point of view, since until now the conceptual apparatus of not only the types of bank business models but also the definition of bank business models and their ecosystem

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Nguyen, Loan Thi Nguyet, Phuong Thi Lan Tran, Nguyet Thi Minh Trinh, and Anh Quynh Le. "Does the Business Model Increase Bank Stability?" Financial Risk and Management Reviews 8, no. 1 (2022): 20–26. http://dx.doi.org/10.18488/89.v8i1.3062.

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Research on risk or sustainability in the banking system does play an important role in the banking industry, where competitiveness increases unceasingly. Simultaneously, the trend of diversifying banks’ business models is becoming more popular. Thus, this paper attempts to investigate the impact of business model diversification on bank risk and stability. The proxy of business models includes (1)Non-net interest income; (2) trading income. The paper applied Generalized Least Squares (GLS) to conduct empirical research on 18 joint-stock commercial banks listed on the Vietnam Stock Exchange fr

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Musile Tanzi, Paola, Elena Aruanno, and Mattia Suardi. "A European banking business models analysis: the investment services case." Journal of Financial Regulation and Compliance 26, no. 1 (2018): 35–57. http://dx.doi.org/10.1108/jfrc-04-2016-0028.

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Purpose Business Model Analysis is acquiring increasing visibility in the European banking regulatory framework, following the European Banking Authority guidelines on common procedures and methodologies for the supervisory review and evaluation process (SREP), developed to assess business and strategic risks (EBA, 2014, 2015a, 2015b, 2015c). Starting from a selected literature review, in the paper, the authors analyse business models set up by financial intermediaries, bank and non-banks, for the distribution of investment services, first by comparing European niche players with European bank

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Paulet, Elisabeth, and Hareesh Mavoori. "Conventional banks and Fintechs: how digitization has transformed both models." Journal of Business Strategy 41, no. 6 (2019): 19–29. http://dx.doi.org/10.1108/jbs-06-2019-0131.

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Purpose The digital revolution has substantially changed the business environment. Most banks have acknowledged the importance of new technologies to improve performance and client satisfaction. The development of these innovations has led to the entrance of the so-called Fintechs. This paper aims to evaluate the impact of these transformations on the performance of financial institutions and on their business model. Design/methodology/approach The authors use data envelopment analysis and Malmquist total productivity indices to measure financial institutions’ efficiency and their influence on

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Zarutska, О., and R. Pavlov. "TRANSPARENCY OF BANKING SUPERVISION AS A NECESSARY CONDITION FOR THE INDEPENDENCE OF THE NATIONAL BANK OF UKRAINE." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 3 (2020): 54–62. http://dx.doi.org/10.21272/1817-9215.2020.3-6.

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The article describes modern approaches to banking supervision, focused on the study of business models of banks and their risk profile. Approaches to determining the regime of supervision and measures to influence banks should take into account the specifics of their financial condition and the city in the market of banking services. Supervision tools should be objective and transparent. The introduction of innovative methods for determining business models and adequate supervisory actions is especially relevant in the period of instability of the banking system of Ukraine. Over the past ten

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Marcin, Marcin. "Strategies for Developing On-Line Business Models in Retail Banking." Studia i Materiały Wydziału Zarządzania UW 1/2018, no. 27 (2018): 90–104. http://dx.doi.org/10.7172/1733-9758.2018.27.8.

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Belyava, Elena Sergeevna, Irina Gennadievna Ershova, and Olga Sergeevna Prikhodchenko. "FACTORS INFLUENCING THE DIGITAL TRANSFORMATION OF REGIONAL BANKING BUSINESS MODELS." Journal of Applied Research 3, no. 1 (2021): 6–11. http://dx.doi.org/10.47576/2712-7516_2021_1_3_6.

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Lueg, R., C. Schmaltz, and M. Tomkus. "BUSINESS MODELS IN BANKING: A CLUSTER ANALYSIS USING ARCHIVAL DATA." Trames. Journal of the Humanities and Social Sciences 23, no. 1 (2019): 79. http://dx.doi.org/10.3176/tr.2019.1.06.

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Elnahass, Marwa, Marwan Izzeldin, and Gerald Steele. "Capital and Earnings Management: Evidence from Alternative Banking Business Models." International Journal of Accounting 53, no. 1 (2018): 20–32. http://dx.doi.org/10.1016/j.intacc.2018.02.002.

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Li, Feng. "Internet banking: from new distribution channel to new business models." International Journal of Business Performance Management 4, no. 2/3/4 (2002): 136. http://dx.doi.org/10.1504/ijbpm.2002.000112.

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Pavlov, Kostiantyn. "ECONOMIC ADVANTAGES OF STRATEGIC DEVELOPMENT OF A BANKING INSTITUTION IN CONDITIONS OF COMPETITION." Economic journal of Lesya Ukrainka Volyn National University 1, no. 41 (2025): 44–51. https://doi.org/10.29038/2786-4618-2025-01-44-51.

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Introduction. The article examines the topical task of modern banking institution management—the formation of effective strategic development models. It substantiates the importance of ensuring the long-term sustainability of the banking business in the context of increasing competition, digitalization, climate change, and global economic shocks, especially for Ukrainian banks operating in conditions of economic instability and military threats.The purpose of the article. The study aims to develop theoretical and methodological foundations and practical recommendations for the formation of str

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Filipovska, Olivija. "General Aspects of Bank Strategy on the Digital Transformation in North Macedonia." Zagreb International Review of Economics and Business 26, no. 2 (2023): 203–14. http://dx.doi.org/10.2478/zireb-2023-0021.

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Abstract Change management in banking becomes more complex with a strong accent on the non-financial aspects to preserve sustainable development. The objective of this research paper is to promote powerful market interactions in the evolution of banking business models by exploiting the business model canvas method. The major banking business models in North Macedonia, identified by the method of cluster analysis in this paper were analyzed from the marketing perspective in order to present a generalized canvas of the commercial banking digital transformation aspects and strategy at the countr

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FEDOTOVA, Gilyan V., and Anna S. AVERINA. "Ecosystem as a new banking business environment." Financial Analytics: Science and Experience 16, no. 3 (2023): 285–300. http://dx.doi.org/10.24891/fa.16.3.285.

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Subject. This article discusses the application of the ecosystem approach to the organization of business space in the banking sector of Russia. Objectives. The article aims to systematize and theoretically comprehend the ongoing transformational changes in the traditional business format towards building a platform solution, that is, an ecosystem, as a new phenomenon that requires a clear definition and assessment. Methods. For the study, we used the general scientific methods of comparison and generalization, methods of logical, statistical, and graphical analysis of empirical data, comparis

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Vovchak, Olha, Serhij Reverchuk, Viktoria Rudevska, and Yaroslav Khlan. "Bank business modeling and levels of non-performing loans:Perspectives of international risk factors in Ukraine." Journal of Eastern European and Central Asian Research (JEECAR) 6, no. 2 (2019): 282–96. http://dx.doi.org/10.15549/jeecar.v6i2.391.

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This article identifies five different banking business models using the k-means method and demonstrates how banks carried out the migration between defined clusters during the banking crisis. The article identifies and links the banks with the business model they are most exposed to in terms of risk of insolvency. The factors that influence the rate of non-performing loans are defined. Developed econometric models will allow banks with certain business models to improve their activity with non-performing loans. The article also analyzes how the amount of loans to related parties can be inject

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Radhai, S., and B. Rajendran. "AI for Business Transformation: Exploring Innovations in Banking." ComFin Research 13, S1-i2 (2025): 217–21. https://doi.org/10.34293/commerce.v13is1-i2.8769.

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AI is changing financial services and the banking industry by automating tasks, making decisions based on data, and making the customer experience better. Some of the AI-driven innovations that are making banking more efficient, safe, and streamlined are chatbots, virtual helpers, robo-advisors, fraud detection algorithms, and blockchain integration. Risk management models powered by AI are very important for making sure that everyone follows the rules, finding fraud, and speeding up loan applications. Putting AI and blockchain technology together is also making financial deals more open and s

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Klimontowicz, Monika, and Janina Harasim. "Mobile Technology as Part of Banks’ Business Model." Acta Universitatis Lodziensis. Folia Oeconomica 1, no. 340 (2019): 73–90. http://dx.doi.org/10.18778/0208-6018.340.05.

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During the last few decades, the banking market has changed significantly making banks face new challenges. Mobile technology development has had a powerful impact on all human activities including banking. Mobile technology has changed both the information and communication sharing, as well as customers’ market behaviour. All these changes should be taken into account in the process of searching for competitive advantage factors and designing banks’ business models. The purpose of the paper is to propose the framework for banks’ business model that incorporates using mobile technology and cre

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Ponomarev, Denis V., and Sergey P. Koltchin. "DIGITAL TRANSFORMATION OF BANKING BUSINESS: CHALLENGES AND PROSPECTS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/3, no. 140 (2023): 172–79. http://dx.doi.org/10.36871/ek.up.p.r.2023.11.03.021.

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Banking is going through a transformation: from physical branches to the use of information technology and big data, as well as highly specialized human capital. Even before this transformation started, banks and markets had become intertwined, with an increasing share of intermediation activities becoming market-based. In their core activities, such as payment and advisory services, banks face stiffer competition from other intermediaries, increasingly digital. Changes in the use of technology to develop new services and business models are taking place with the growth of the FinTech sector,

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