Кафедра фінансів

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Browsing Кафедра фінансів by Author "Bazilinska, Olena"

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    The Role and Prospects of the Use of Artificial Intelligence Technology in the Credit Activities OF Banking Institutions
    (2023) Dubyna, Maksym; Bazilinska, Olena; Panchenko, Olena; Sadchykova, Iryna; Kozlianchenko, Alona; Tarasenko, Artem
    Digitization of economic relations contributed to significant transformations in the market of financial services. Today, financial institutions actively use digital technologies in their own activities to improve work efficiency. Artificial intelligence is a technology that banks and other credit institutions are gradually using in their own work. This determines the urgency of researching new possibilities of using artificial intelligence in credit activities, primarily of banking institutions. The article uses the methodology of economic research for research. In particular, methods of content analysis, observation, abstraction, analysis and synthesis. As a result, promising directions for the use of artificial intelligence technology in the credit activity of banking institutions were determined, which was implemented on the basis of the analysis of specific features of such activity, the specification of the essence of the specified technology and the identification of its basic characteristics. As a result, it was established that the technology of artificial intelligence has a significant potential for use in the provision of credit services by banking institutions to various types of clients. It was also found that these institutions are already actively using the capabilities of this technology, but to a limited extent, which is due to a number of institutional restrictions and the imperfection of the technology itself. However, current trends show that in the future such obstacles will gradually disappear and the use of artificial intelligence by banking institutions will only expand.
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    The Role of Digitalization of the Payment Infrastructure in Ensuring the Economic Security of the State Under the Conditions of Social and Political Shocks
    (2024) Dubyna, Maksym; Panchenko, Olena; Shpomer, Tetiana; Shyshkina, Olena; Kosach, Iryna; Bazilinska, Olena
    The article attempts to justify the importance of ensuring the stable development of the payment infrastructure in crisis conditions, which are formed by unpredictable and turbulent processes in the development of the financial system. It was determined that in the modern conditions of active digitization of the activities of financial institutions, their leading role in making settlements between economic entities, the emergence of destructive processes in the functioning of these institutions may have a negative impact on the functioning of the national economy, the state of its economic security, especially as a result of complex political and social events in the country. During the research, a range of general and special research methods were used, among which content analysis, statistical methods, and methods of generalization and abstraction played an important role. The article describes the theoretical provisions of the influence of the payment infrastructure on the state of economic security of the country, substantiates the main transformational processes that are taking place with such infrastructure today as a result of the development of information and communication technologies. To confirm the formulated theoretical provisions, the case of Ukraine was considered as a country that periodically finds itself in difficult socio-political conditions of its own functioning, and today the war with the Russian Federation has already led to colossal economic losses and a significant decrease in the level of economic security. In this way, the macroeconomic development of Ukraine during 2010-2022 was analyzed. Important attention is focused on the analysis of the state of the payment infrastructure in the country, how its development changed during the outlined period, and what transformations took place in its functioning since the beginning of Russia's military aggression against Ukraine. The results of the study made it possible to confirm the assumption about the important role of the payment infrastructure in ensuring the economic security of the country and the importance of ensuring the stable functioning of such infrastructure even in difficult political, social and economic conditions. It was also established that in the era of the development of the digital economy, it is the payment infrastructure that can minimize the destructive consequences of turbulent economic processes and ensure the availability of financial services.