Uman National University | today: 06/19/2025
| Author(s) |
Nepochatenko Olena O., Doctor of Economics, Professor, Rector of Uman National University of Horticulture, Head of Department, Uman National University of Horticulture Prokopchuk O.T., Candidate of Economics, , Uman National University of Horticulture, Ukraine Malyovanyi M., Doctor of Ekonomikal Sciences, , Бондаренко Н. В., , , |
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| Category | Economics | ||
| year | 2025 | issue | Випуск 106 Частина 2 |
| pages | 9-20 | index UDK | 336 | DOI | 10.32782/2415-8240-2025-106-2-9-20 (Link) |
| Abstract | Management decision-making in the banking sector is a complex process that requires consideration of numerous economic, legal and social factors. In today's dynamic financial markets, digitalization and increasing competition, banks face the need to make strategically important decisions that affect not only their efficiency but also the stability of the financial system as a whole. The use of modern models and technologies in the decision-making process helps to increase their validity, reduce risks and optimize the activities of banking institutions. In particular, the development of big data, artificial intelligence, analytical platforms, and automated management systems is changing traditional approaches to decision-making, contributing to their digital transformation. The study of modern models and technologies of management decision-making in the banking system and the analysis of their impact on the efficiency of banks in a dynamic and globalized environment led to the following conclusions: 1. The need for innovative approaches. In today's highly turbulent financial markets and globalized economy, banking institutions face the need to adapt to new challenges. Innovative approaches to management decision-making are becoming critical to ensure their efficiency and sustainability. 2. The role of digitalization. Digital transformation, including the introduction of big data technologies, artificial intelligence, blockchain, and automated management systems, allows for increased efficiency and accuracy of decision-making, mitigated risks, and stability of the banking system in a globalized environment. 3. Efficiency of modern models. Modern management models demonstrate greater productivity compared to traditional approaches. By using analytical platforms, banks can make informed decisions that increase their competitiveness and profitability. 4. The impact of innovations on financial performance. The study showed that the introduction of innovative technologies reduces the processing time of requests, reduces the number of erroneous decisions, and increases the profitability of banking institutions. In 2019–2023, the level of technology adoption in the banking sector increased almost fivefold, indicating the active digitalization of the industry. 5. Relevance of adaptation to challenges. The crises caused by the Covid-19 pandemic and the full-scale war in Ukraine have shown the need for a flexible approach to management. Banks that have successfully implemented anti-crisis models and innovative technologies have been able not only to minimize risks but also to achieve positive financial results. 6. Further Research Prospects. In the future, it is advisable to focus on the integration of innovative technologies into the strategic management of banking institutions to increase their sustainability and adaptation to changing market conditions. The obtained results emphasize the importance of using modern technologies and methods in the banking sector, which will help ensure financial stability and long-term competitiveness of banks. | ||
| Key words | banking system, decision-making, digitalization, innovative technologies, big data, artificial intelligence, blockchain, financial stability | ||