Основні рецензенти
Литвиненко Наталія Іванівна - Національний технічний університет «Дніпровська політехніка»
Пилипенко Ганна Миколаївна - Національний технічний університет «Дніпровська політехніка»
Задоя Анатолій Олександрович - Дніпропетровський університет імені Альфреда Нобеля
Прушківська Емілія Василівна - Національний університет «Запорізька політехніка»
Мушникова Світлана Анатоліївна - Український державний університет науки та технологій
Пилипенко Юрій Іванович - Національний технічний університет «Дніпровська політехніка»
Смєсова Вікторія Леонідівна - Національний технічний університет «Дніпровська політехніка»
Бондаренко Людмила Анатоліївна - Національний технічний університет «Дніпровська політехніка»
Бєлобородова Марія Валеріївна - Національний технічний університет «Дніпровська політехніка»
Амоша Олександр Іванович - Інститут економіки промисловості Національної академії наук України
Залознова Юлія Станіславівна - Інститут економіки промисловості Національної академії наук України
Ареф’єва Олена Володимирівна - Національний авіаційний університет
Прохорова Вікторія Володимирівна - Українська інженерно-педагогічна академія
Єрмошкіна Олена Вячеславівна - Національний університет «Львівська політехніка»
Пашкевич Марина Сергіївна - Національний технічний університет «Дніпровська політехніка»
Усатенко Ольга Володимирівна - Національний технічний університет «Дніпровська політехніка»
Чуріканова Олена Юріївна - Національний технічний університет «Дніпровська політехніка»
Бардась Артем Володимирович - Національний технічний університет «Дніпровська політехніка»
Бойченко Микола Вікторович - Національний технічний університет «Дніпровська політехніка»
Трифонова Олена Василівна - Національний технічний університет «Дніпровська політехніка»
Швець Василь Якович - Національний технічний університет «Дніпровська політехніка»
Красовська Олена Юріївна - Національний технічний університет «Дніпровська політехніка»
Касян Сергій Якович - Національний технічний університет «Дніпровська політехніка»
Петруня Юрій Євгенович - Університет митної справи та фінансів
| Issues | Sections | Authors | Keywords |
Article
| Issue: | 2025 №4 (92) |
| Section: | Finance, Banking, Insurance and Stock Market |
| UDK: | 336.7:004.01/08 |
| DOI: | https://doi.org/10.33271/ebdut/92.083 |
| Article language: | English |
| Pages: | 83-90 |
| Title: | Forecast of the use of artificial intelligence in banking and risk management |
| Author: | Bezshtanko D. V., JSC «Kredobank» |
| Annotation: | Methods. This work is based on the application of a number of scientific tools and methods, for example, scenario analysis in identifying examples of employee-artificial intelligence interaction. Induction for building forecasts based on typical stages of introducing new technologies into society; drawing analogies with historical trends in the development of the banking market, for example, automated banking systems of the late 20th – early 21st centuries, the introduction of CRM systems in banking management or the transition to a «digital state» in Ukraine. The above examples have the same stages of implementation from the idea to full acceptance and application by the banking community. Novelty. The author proposes to divide the implementing artificial intelligence into 4 stages and outlines the main features (technological, methodological and legal) of the application of artificial intelligence, as well as its application according to the selected periodization in management. Results. The use of artificial intelligence by banks has already begun. Understanding the stages of using artificial intelligence will allow building a further strategy for the development of banking, considering artificial intelligence, changing the policy of personnel management, processes, risks, and bank security. Thus, the first stage (by 2028) involves the completion of the initial stage of artificial intelligence implementation with the mass use of generative tools, online risk and process monitoring, and the first attempts by regulators to establish requirements for artificial intelligence in banking. The second stage (by 2030) involves strengthening regulation and integrating artificial intelligence into most banking processes, including risk management. The third stage – by 2035 – involves the transfer of a significant part of the functions currently performed by a bank employee to artificial intelligence with the subsequent reorganization of the system of banking products and processes. The fourth stage (by 2075) is a complete reformation of banks with the transfer of a significant list of artificial intelligence functions and increased risks associated with the work of artificial intelligence in the bank. The author also attempted to determine the change in the relationship between the bank employee and artificial intelligence and impose these changes on the proposed stages. The first stage (until 2030) involves the active use of artificial intelligence tools by the bank employee to solve his own tasks, respectively, that is why artificial intelligence is a tool. The second stage (until 2035) artificial intelligence acts as a partner and, accordingly, the employee indicates what exactly should be done and how, and artificial intelligence independently makes decisions on some tasks (typical, technical, etc.), without the participation of the employee. The third stage is a forecast for a period of up to 50 years - artificial intelligence makes decisions itself, and the employee only identifies the need. Practical value. The results of this study will allow, when implementing strategic planning, to consider artificial intelligence and its potential in one's own activities, including within the framework of risk management. |
| Keywords: | Artificial intelligence, Banking artificial intelligence, Risk management |
| File of the article: | EV20254_083-090.pdf |
| Literature: |
|
Editor-in-Chief
Makurin A. A., Doctor of Economic Sciences, Professor, Department of International Relations and Audit, Dnipro University of Technology
Deputy Editors-in-Chief:
Buleev I. P., Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine
Vahonova O. H., Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology
Chair of the Editorial Board
Bezuhla L. S., Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology
Members of the Editorial Board:
- Andrii Andriiovych Makurin, Doctor of Economic Sciences, Professor, Professor at the Department of International Relations and Audit, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-8093-736X - Oleksandra Hryhorivna Vahonova, Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-6553-7771 - Liudmyla Serhiivna Bezuhla, Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6520-4325 - Maryna Illivna Ivanova, Doctor of Economic Sciences, Professor, Professor at the Department of Management, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1130-0186 - Oksana Vitaliivna Bashtannyk, Doctor of Sciences in Public Administration, Professor, Professor at the Department of History, Political Theory and Law, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-4067-3261 - Olena Olehivna Akhmedova, Doctor of Sciences in Public Administration, Associate Professor, Professor at the Department of Tourism and Hotel and Restaurant Business, Kyiv National University of Technologies and Design, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1573-7710 - Mykola Petrovych Horodyskyi, Candidate of Economic Sciences, Associate Professor, Zhytomyr Polytechnic State University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-2093-5263 - Eleonora Yuriivna Tereshchenko, Candidate of Economic Sciences, Associate Professor, Associate Professor at the Department of Enterprise Economics and Finance, Kyiv National University of Trade and Economics, Ministry of Education and Science of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-2272-5224 - Valentyna Andriivna Pavlova, Doctor of Economic Sciences, Professor, Professor at the Department of Entrepreneurship, Alfred Nobel University, Dnipro, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6762-8041 - Ivan Petrovych Buleev, Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-7912-3649 - Olha Volodymyrivna Zakharova, Candidate of Economic Sciences, Associate Professor at the Department of International Economic Relations, Vasyl Stefanyk Carpathian National University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-8718-0205 - Joanna Rosak-Szyrocka, PhD, Assistant Professor at Częstochowa University of Technology, Poland
https://wis.pcz.pl/wykladowcy---sprawozdawczosc/dr-joanna-rosak-szyrocka
https://orcid.org/0000-0002-5548-6787 - Jolanta Miko Nalivaike, Doctor of Social Sciences, specializing in Management, Vice-Dean of the Faculty of Business Management, Associate Professor at the Department of Management, Vilnius Gediminas Technical University (VILNIUS TECH), Lithuania, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1009-4111 - Marat Kuralbekovich Kamysbayev, Doctor of Economic Sciences, Professor, Department of Management and Mathematical Economics, Kazakh National Research Technical University, Almaty, 050000, Kazakhstan, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6952-6030 - Jan Skonieczny, PhD in Economics, Assistant Professor at the Department of Organization and Management, Wrocław University of Science and Technology, Poland, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1027-991X
Managing Editor: Cherchenko N. A.
Copy Editor: Isakova M. L.
Technical Editor: Litvinov Yu. I.
Please, note the following instructions to submit your full papers to the journal: the journal will consider previously unpublished papers in Ukrainian or English languages that should relate to the theoretical and practical profile and follow the guidelines:
1. The paper limit is 8–12 pages (single-spaced type), to be submitted electronically via e-mail.
2. For authors with no Dr. Sc. degree in Economics the paper will be submitted with a review by a Dr. Sc. in Economics to justify its novelty and practical value.
3. Each paper must accompany a completed corresponding author form which includes author’s Surname, Name and Patronymic, scientific degree, academic title, work place, position, business and home postal addresses, phone and fax number, e-mail address. Also include the office of Nova Poshta, for the copy of the Bulletin issue with the author’s publication to be sent to.
4. In case the author (authors) wish to get additional copies of the issue, this should be noted separately in the author form.
Article layout
The article starts with UDC index (left aligned, no indentation)
Next line (no line skip) is the title of the article (in capital letters, full page format).
After a line skip are the author’s initials and surname, scientific degree, academic title, place of work or study, address (comma separated). Full page format.
After a line skip is the abstract (1800 characters) in the language of the article. Abstract contains information about specific scientific results obtained in the course of the study, the level of their novelty, propositions concerning their solutions and practical value of the obtained results. In the next line (no indentation) are keywords (10-12 words) in full page format.
After a line skip is the main text (two columns format) which includes the following parts:
– problem statement in general and its correlation with important scientific or practical tasks;
– analysis of recent papers containing the solution of the above problem for the authors to ground their research (references are required), determination of previously unsolved parts of a general problem discussed in the article;
– aim of the article (statement of purpose);
– materials and methods of the research with full justification of the received scientific results;
– conclusions of the research and perspectives for further scientific development in the sphere.
After a line skip is References (two column format). Bibliographic description is done according to GOST DSTU 7.1:2006 “The system of standards on information, library and publishing service. Bibliographic entry. Bibliographic description. General requirements and rules of composition” (State Commission for Academic Degrees and Titles of Ukraine Bulletin, #3, 2008).
After a line skip are abstracts (1800 characters each) in English languages with keywords in the appropriate language (6-10 words), full page format. Abstracts start with the title of the article (full page format, capitalized), author’s initials and surname, scientific degree, academic title, place of work or study in italics, full page format.
Guidelines:
- title: Times New Roman – 12 pt, bold, capitalized;
- subheading: Times New Roman – 12 pt, bold;
- author’s initials and surname, degree, title, place of work or study, E-mail – 12 pt, italics;
- main text, UDC – 12 pt;
- abstracts, keywords – 12 pt;
- references – 10 pt.
2.5 сm upper and lower margin, 2.0 сm left and right margin, two column format for the main text and references, 0.7 cm between columns. Paragraph indentation – 1.0 cm, single spacing.
Style and format
Formulas are printed in Equation Editor (MathType v. 4–5). Figures in the paper must be included as Microsoft Word object, grouped in a separate window created as “text box” or “Word picture”. Figures must be gray shade or pattern fill. Graphs are accepted in Microsoft Excel or standard graphics editors (Corel Draw, Adobe Illustrator) inserted in the text as objects. If graphic editors are used, the figure can be submitted as separate files linked to the text. Raster graphic objects must be submitted in uncompressed TIFF format with resolution 300 dpi or higher. Images must not be compressed into JPEG or GIF format, as quality loss is inevitable. Schemes with text can be done in the above graphic editors or Microsoft Word, in the latter case every window must be done as text box connected with other boxes by lines or arrows and then grouped. Font size in figures must be 10pt or bigger. Captions should be grouped with figures, font size – 12 pt.
The Bulletin has publication fees of 1200 UAH regardless of the number of pages in the article. The cost of a printed copy is 600 UAH, which must be paid in addition to the publication fee.
The article is reviewed within two weeks.
The journal is published on: March 30th, June 30th, September 30th, December 30th.
