Маркетинг цифрових інновацій на ринку банківських послуг
Ключові слова:
маркетинг, банківські послуги, цифрові інновації, платежі, кредитування, цифровий банкінг, цифрова інфраструктура
Анотація
Досліджено особливості маркетингу цифрових інновацій на ринку банківських послуг, обґрунтовано, що в сучасних умовах банки повинні орієнтуватися на використання цифрових технологій на основі онлайн- і мобільних сервісів, а оптимальним напрямом їхньої діяльності є поєднання традиційних банківських технологій з інноваціями фінтехкомпаній, що дозволить сфор му вати нову структуру індустрії банківських послуг.
Завантаження
Дані завантаження ще не доступні.
Посилання
1. Lutyi, I. O, & Mishchenko, S. V. (2007). Vplyv fi nansovogo sektory na funkcionuvannja ekonomichoi systemy [Th e impact of fi nancial sector on the functioning of economic systems]. Finansy Ukrainy – Finance of Ukraine, 3, 14–28 [in Ukrainian].
2. Mishchenko, S. (2007). Vdoskonalennja instytuciinoi struktury nagljadu za fi nansovym sectorom [Improvement of the institutional structure of supervision of the fi nancial sector]. Bankivska sprava – Banking, 1, 41-56 [in Ukrainian].
3. Naumenkova, S. V. (2015). Finansova inkljuzyvnist: ekonomichny zmist ta pidhody do vymirjuvannja [Financial inclusion: the economic content and approaches to measurement]. Aktualni problemy ekonomiky – Actual prob-lems of economy, 4, 363–371 [in Ukrainian].
4. Lutyi, I. O., & Mishchenko, V. I. (2006). Problemy rozvytku suchasnogo mizhnarodnogo fi nansovogo rynku ta integraciynyi kurs Ukrainy [Th e problems of the modern international fi nancial market and integration course of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 5, 21–31 [in Ukrainian].
5. Mishchenko, S. V. (2010). Problemy ocinky vplyvu stabilnosti funkcionuvannja groshovo-kredytnoi polityky na ekonomichny bezpeku krainy [Problems of assessment of infl uence of stability of functioning of the monetary sphere on the economic security of the country]. Finansy Ukrainy – Finance of Ukraine, 7, 35–49 [in Ukrainian].
6. Rjahovskaja, A. N., & Kryukova, O. G. (Eds.). (2012). Sovremennye podhody k upravleniju ustoychivoctju biznesu [Modern approaches to the management of the sustainability of the business]. Moscow: Financial University [in Russian].
7. Mishchenko, V. I. (2010). Osoblyvosti postkryzovogo reformuvannja fsnansovogo sektory Ukrainy [Peculiarities of post-crisis reform of the fi nancial sector of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 10, 3–14 [in Ukrainian].
8. Sokolov, B. I., & Mishchenko, S. V. Rol platezhnyh system v obespechenii ustoychivogo razvitija nacionalnoi ekonomiki [Th e Role of payment systems in the sustainable development of national economy]. Problemy sovremennoy ekonomiki – Problems of modern Economics, 2 (54), 163–168 [in Russian].
9. Mishchenko, V. I., & Naumenkova, S. V. (1998). Organizacija fj uchersnogo valjutnogo rynku [Organization of the futures currency market]. Finansy Ukrainy – Finance of Ukraine,10, 60–69 [in Ukrainian].
10. Naumenkova, S., Malyutin, O. & Mishchenko, S. (2015). Transition to Infl ation Targeting in Ukraine: New Tools for Monetary Policy. Bulletin of Taras Shevchenko National University of Kyiv. Economics, 166, 31–39 [in English].
11. Mishchenko, S. V. (2013). Stymulirovanie kreditovanija kak factor ekonomicheskogo rosta [Stimulation of lending as a factor of economic growth]. Vestnik Finansovogo Universiteta – Bulletin of Financial University, 1, 35–45 [in Russian].
12. Naumenkova, S. V. (2014). Obstezhennja zbalansovanosti popytu ta propozycii na kredytnomu rynku: dosvid centralnyh bankiv [Study of the balance of supply and demand in the credit market: the experience of Central banks]. Visnyk Kyivskogo nacionalnogo universytety imeni Tarasa Shevchenka. Ekonomika – Bulletin of Taras Shevchenko National University of Kyiv. Economics, 10, 51–57 [in Ukrainian].
13. Timko, E. Finansovyi muraveynik: chto predstavljaet soboi fi nteh-industrija [Financial anthill: what is a fintechindustry]. (n.d.) Retrieved from http://www.forbes.ru.
14. Naumenkova, S. V. (2010). Funkcionuvannja nederzhavnyh pensiinyh fondiv na rynku fi nansovyh poslug Ukrainy [Functioning of private pension funds on the fi nancial services market of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 4, 3–16 [in Ukrainian].
15. Mishchenko, V., & Somik, A. (2007). Dolaryzacija: prychyny ta naslidky dlja ekonomiky Ukrainy [Dollarization: causes and consequences for Ukraine’s economy]. Visnyk NBU – Bulletin of the NBU, 5, 28–31 [in Ukrainian].
16. Naumenkova, S. V. (2013). Pidvyshchennja dostupnosti fi nansovyh poslug: aktualni pytannja reguljatornoi praktyky [Improving access to fi nancial services: current issues regulatory practice]. Finansy Ukrainy – Finance of Ukraine, 10, 20–33 [in Ukrainian].
17. Shumilo, I., Mishchenko, V., & Lysenko, R. (2006). Teoretychni i praktychni aspekty analizu stanu fi nansovoi systemy ekonomiky [Th eoretical and practical aspects of the analysis of the state of the fi nancial system of economy]. Visnyk NBU – Bulletin NBU, 3, 6–11 [in Ukrainian].
18. Mishchenko, S. V. (2014). Vdoskonalennja systemy bezgotivkovyh rozdribnyh platezhiv [Th e Improvement of the system of cashless retail payments]. Visnyk Kyivskogo nacionalnogo universytety imeni Tarasa Shevchenka. Ekonomika – Bulletin of National University of Kyiv. Economics, 5 (158), 22–28 [in Ukrainian].
19. Naumenkova, S. V. (2006). Obgruntuvannja metodychnyh pidhodiv do ocinky stiykosti fi nansovoi systemy [Th e substantiation of methodical approaches to the assessment of the stability of the fi nancial system]. Informatsiino-analitychni materialy – Information-analytical materials, Issue 6. Kyiv [in Ukrainian].
20. Mishchenko, S. V. (2009). Formuvannja efektyvnoi struktury fi nansovogo sektoru Ukrainy [Th e formation of an effi cient structure of the fi nancial sector of Ukraine]. Kyiv [in Ukrainian].
21. Senishch, P. M., Kravets, V. M., & Mishchenko, V. I. (2008). Svitovyi dosvid ta perspektyvy rozvytku elektronnyh groshei v Ukraini [World experience and prospects of development of electronic money in Ukraine]. Naukovo-analitychni materialy – Scientifi c and analytical materials, Vol. 10. Kyiv: National Bank of Ukraine. Retrieved from http://www. bank.gov.ua/doccatalog [in Ukrainian].
22. Kuznetsov, V. A., Shamrayev, A. V., Pukhov, A. V. (2008). Predoplachennye instrumenty roznichnyh platezhei – ot dorozhnogo cheka do elektronnyh deneg [Prepaid Retail Payment Instruments – from the Traveler’s Check to Electronic Money]. Moscow: Market DS [in Russian].
23. Naumenkova, S. (2014). Finansova inkljuzyvnist ta problemy zabezpechennja dostupu naselennja do bazovyh fi nansovyh poslug v Ukraini [Financial inclusion and ensuring people’s access to basic fi nancial services in Ukraine]. Visnyk NBU – Bulletin NBU, 11, 31–37 [in Ukrainian].
24. Naumenkova, S. V., & Mishchenko, V. I. (2014). Ponjattja systemnogo ryzyku ta pidhody do vyznachennja systemno znachushchyh bankiv [Th e Concept of systemic risk and approaches to defi ning systemically important banks]. Socialno-ekonomichni problemy suchasnogo periodu Ukrainy – Socio-economic problems of modern period of Ukraine, 1(105), 186–196 [in Ukrainian].
25. Nacionalnyi bank inicijue vreguljuvannja P2P kredytuvannja [Th e National Bank initiates settlement of the question P2P lending]. (n.d.) www.bank.gov.ua Retrieved from http://www.bank.gov.ua/control/uk/publish/article?art_id=30375585 [in Ukrainian].
26. Naumenkova, S. V., & Mishchenko, V. I. (2015). Makroprudenciini instrumenty v mekhanismi zabezpechennja fi nansovoi stabilnosti [Macroprudential tools to ensure fi nancial stability]. Finansy Ukrainy – Finance of Ukraine, 10, 53–76 [in Ukrainian].
27. Mishchenko, V. I., Nidzelska, I. A., Kulinets, A. P., Shulha, S. O. (2010). Gnychkyi rezhym kursoutvorennja: etapy zaprovadzhennja ta mozhlyvi naslidky dlja ekonomichnogo rozvytku Ukrainy [Flexible rate regime: the stages of implementation and the possible consequences for economic development of Ukraine: scientifi c-analytical materials]. Naukovo-analitychni materialy – Scientifi c and analytical materials, Issue 15. Kyiv [in Ukrainian].
28. Naumenkova, S. V., & Mishchenko, V. I. (2013). Suchasni problemy kapitalizacii bankivskoi systemy Ukrainy [Modern problems of capitalization of the banking system of Ukraine]. Fsnansovo-kredytna dijalnist – Financial and credit activity, 2, 3–11 [in Ukrainian].
29. Mishchenko, V. I. (2013). Kapitalizacija bankivskoi systemy Ukrainy: sogodennja ta perspektyvy [Th e Capitalization of the banking system of Ukraine: present and prospects]. Visnyk NBU – Bulletin of the NBU, 7, 11–17 [in Ukrainian].
30. Naumenkova, S. V., & Bui, T. G. (2010). Vykorystannja strukturovanyh cinnyh paperiv dlja fi nansuvannja korporacii v Ukraini [Th e Use of structured securities for the fi nancing of corporations in Ukraine]. Finansy Ukrainy – Finance of Ukraine, 2, 89–101 [in Ukrainian].
31. Krotyuk, V. L., & Mishchenko, V. I. (2005). Evolucia pidkhodiv do ocinky kapitalu v Baselskikh ugodakh [The Evolution of approaches to the assessment of capital in Basel]. Bankivska sprava – Banking, 4, 3–9 [in Ukrainian].
32. Mishchenko, V. I., & Naumenkova, S. V. (2002). Problemy vdoskonalennja upravlinnja derzhavnymy korporatyvnymy pravamy [Problems of improving the management of state corporate rights]. Ekonomika Ukrainy – Economy of Ukraine. – № 5, 29–36 [in Ukrainian].
33. Mishchenko, S. (2008). Sutnist ekonomichnogo kapitalu ta jogo rol u zabezpechenni fi nansovoi stiykosti banku [Th e essence of economic capital and its role in ensuring fi nancial stability of the bank]. Visnyk NBU – Bulletin NBU, 1, 58–64 [in Ukrainian].
2. Mishchenko, S. (2007). Vdoskonalennja instytuciinoi struktury nagljadu za fi nansovym sectorom [Improvement of the institutional structure of supervision of the fi nancial sector]. Bankivska sprava – Banking, 1, 41-56 [in Ukrainian].
3. Naumenkova, S. V. (2015). Finansova inkljuzyvnist: ekonomichny zmist ta pidhody do vymirjuvannja [Financial inclusion: the economic content and approaches to measurement]. Aktualni problemy ekonomiky – Actual prob-lems of economy, 4, 363–371 [in Ukrainian].
4. Lutyi, I. O., & Mishchenko, V. I. (2006). Problemy rozvytku suchasnogo mizhnarodnogo fi nansovogo rynku ta integraciynyi kurs Ukrainy [Th e problems of the modern international fi nancial market and integration course of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 5, 21–31 [in Ukrainian].
5. Mishchenko, S. V. (2010). Problemy ocinky vplyvu stabilnosti funkcionuvannja groshovo-kredytnoi polityky na ekonomichny bezpeku krainy [Problems of assessment of infl uence of stability of functioning of the monetary sphere on the economic security of the country]. Finansy Ukrainy – Finance of Ukraine, 7, 35–49 [in Ukrainian].
6. Rjahovskaja, A. N., & Kryukova, O. G. (Eds.). (2012). Sovremennye podhody k upravleniju ustoychivoctju biznesu [Modern approaches to the management of the sustainability of the business]. Moscow: Financial University [in Russian].
7. Mishchenko, V. I. (2010). Osoblyvosti postkryzovogo reformuvannja fsnansovogo sektory Ukrainy [Peculiarities of post-crisis reform of the fi nancial sector of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 10, 3–14 [in Ukrainian].
8. Sokolov, B. I., & Mishchenko, S. V. Rol platezhnyh system v obespechenii ustoychivogo razvitija nacionalnoi ekonomiki [Th e Role of payment systems in the sustainable development of national economy]. Problemy sovremennoy ekonomiki – Problems of modern Economics, 2 (54), 163–168 [in Russian].
9. Mishchenko, V. I., & Naumenkova, S. V. (1998). Organizacija fj uchersnogo valjutnogo rynku [Organization of the futures currency market]. Finansy Ukrainy – Finance of Ukraine,10, 60–69 [in Ukrainian].
10. Naumenkova, S., Malyutin, O. & Mishchenko, S. (2015). Transition to Infl ation Targeting in Ukraine: New Tools for Monetary Policy. Bulletin of Taras Shevchenko National University of Kyiv. Economics, 166, 31–39 [in English].
11. Mishchenko, S. V. (2013). Stymulirovanie kreditovanija kak factor ekonomicheskogo rosta [Stimulation of lending as a factor of economic growth]. Vestnik Finansovogo Universiteta – Bulletin of Financial University, 1, 35–45 [in Russian].
12. Naumenkova, S. V. (2014). Obstezhennja zbalansovanosti popytu ta propozycii na kredytnomu rynku: dosvid centralnyh bankiv [Study of the balance of supply and demand in the credit market: the experience of Central banks]. Visnyk Kyivskogo nacionalnogo universytety imeni Tarasa Shevchenka. Ekonomika – Bulletin of Taras Shevchenko National University of Kyiv. Economics, 10, 51–57 [in Ukrainian].
13. Timko, E. Finansovyi muraveynik: chto predstavljaet soboi fi nteh-industrija [Financial anthill: what is a fintechindustry]. (n.d.) Retrieved from http://www.forbes.ru.
14. Naumenkova, S. V. (2010). Funkcionuvannja nederzhavnyh pensiinyh fondiv na rynku fi nansovyh poslug Ukrainy [Functioning of private pension funds on the fi nancial services market of Ukraine]. Finansy Ukrainy – Finance of Ukraine, 4, 3–16 [in Ukrainian].
15. Mishchenko, V., & Somik, A. (2007). Dolaryzacija: prychyny ta naslidky dlja ekonomiky Ukrainy [Dollarization: causes and consequences for Ukraine’s economy]. Visnyk NBU – Bulletin of the NBU, 5, 28–31 [in Ukrainian].
16. Naumenkova, S. V. (2013). Pidvyshchennja dostupnosti fi nansovyh poslug: aktualni pytannja reguljatornoi praktyky [Improving access to fi nancial services: current issues regulatory practice]. Finansy Ukrainy – Finance of Ukraine, 10, 20–33 [in Ukrainian].
17. Shumilo, I., Mishchenko, V., & Lysenko, R. (2006). Teoretychni i praktychni aspekty analizu stanu fi nansovoi systemy ekonomiky [Th eoretical and practical aspects of the analysis of the state of the fi nancial system of economy]. Visnyk NBU – Bulletin NBU, 3, 6–11 [in Ukrainian].
18. Mishchenko, S. V. (2014). Vdoskonalennja systemy bezgotivkovyh rozdribnyh platezhiv [Th e Improvement of the system of cashless retail payments]. Visnyk Kyivskogo nacionalnogo universytety imeni Tarasa Shevchenka. Ekonomika – Bulletin of National University of Kyiv. Economics, 5 (158), 22–28 [in Ukrainian].
19. Naumenkova, S. V. (2006). Obgruntuvannja metodychnyh pidhodiv do ocinky stiykosti fi nansovoi systemy [Th e substantiation of methodical approaches to the assessment of the stability of the fi nancial system]. Informatsiino-analitychni materialy – Information-analytical materials, Issue 6. Kyiv [in Ukrainian].
20. Mishchenko, S. V. (2009). Formuvannja efektyvnoi struktury fi nansovogo sektoru Ukrainy [Th e formation of an effi cient structure of the fi nancial sector of Ukraine]. Kyiv [in Ukrainian].
21. Senishch, P. M., Kravets, V. M., & Mishchenko, V. I. (2008). Svitovyi dosvid ta perspektyvy rozvytku elektronnyh groshei v Ukraini [World experience and prospects of development of electronic money in Ukraine]. Naukovo-analitychni materialy – Scientifi c and analytical materials, Vol. 10. Kyiv: National Bank of Ukraine. Retrieved from http://www. bank.gov.ua/doccatalog [in Ukrainian].
22. Kuznetsov, V. A., Shamrayev, A. V., Pukhov, A. V. (2008). Predoplachennye instrumenty roznichnyh platezhei – ot dorozhnogo cheka do elektronnyh deneg [Prepaid Retail Payment Instruments – from the Traveler’s Check to Electronic Money]. Moscow: Market DS [in Russian].
23. Naumenkova, S. (2014). Finansova inkljuzyvnist ta problemy zabezpechennja dostupu naselennja do bazovyh fi nansovyh poslug v Ukraini [Financial inclusion and ensuring people’s access to basic fi nancial services in Ukraine]. Visnyk NBU – Bulletin NBU, 11, 31–37 [in Ukrainian].
24. Naumenkova, S. V., & Mishchenko, V. I. (2014). Ponjattja systemnogo ryzyku ta pidhody do vyznachennja systemno znachushchyh bankiv [Th e Concept of systemic risk and approaches to defi ning systemically important banks]. Socialno-ekonomichni problemy suchasnogo periodu Ukrainy – Socio-economic problems of modern period of Ukraine, 1(105), 186–196 [in Ukrainian].
25. Nacionalnyi bank inicijue vreguljuvannja P2P kredytuvannja [Th e National Bank initiates settlement of the question P2P lending]. (n.d.) www.bank.gov.ua Retrieved from http://www.bank.gov.ua/control/uk/publish/article?art_id=30375585 [in Ukrainian].
26. Naumenkova, S. V., & Mishchenko, V. I. (2015). Makroprudenciini instrumenty v mekhanismi zabezpechennja fi nansovoi stabilnosti [Macroprudential tools to ensure fi nancial stability]. Finansy Ukrainy – Finance of Ukraine, 10, 53–76 [in Ukrainian].
27. Mishchenko, V. I., Nidzelska, I. A., Kulinets, A. P., Shulha, S. O. (2010). Gnychkyi rezhym kursoutvorennja: etapy zaprovadzhennja ta mozhlyvi naslidky dlja ekonomichnogo rozvytku Ukrainy [Flexible rate regime: the stages of implementation and the possible consequences for economic development of Ukraine: scientifi c-analytical materials]. Naukovo-analitychni materialy – Scientifi c and analytical materials, Issue 15. Kyiv [in Ukrainian].
28. Naumenkova, S. V., & Mishchenko, V. I. (2013). Suchasni problemy kapitalizacii bankivskoi systemy Ukrainy [Modern problems of capitalization of the banking system of Ukraine]. Fsnansovo-kredytna dijalnist – Financial and credit activity, 2, 3–11 [in Ukrainian].
29. Mishchenko, V. I. (2013). Kapitalizacija bankivskoi systemy Ukrainy: sogodennja ta perspektyvy [Th e Capitalization of the banking system of Ukraine: present and prospects]. Visnyk NBU – Bulletin of the NBU, 7, 11–17 [in Ukrainian].
30. Naumenkova, S. V., & Bui, T. G. (2010). Vykorystannja strukturovanyh cinnyh paperiv dlja fi nansuvannja korporacii v Ukraini [Th e Use of structured securities for the fi nancing of corporations in Ukraine]. Finansy Ukrainy – Finance of Ukraine, 2, 89–101 [in Ukrainian].
31. Krotyuk, V. L., & Mishchenko, V. I. (2005). Evolucia pidkhodiv do ocinky kapitalu v Baselskikh ugodakh [The Evolution of approaches to the assessment of capital in Basel]. Bankivska sprava – Banking, 4, 3–9 [in Ukrainian].
32. Mishchenko, V. I., & Naumenkova, S. V. (2002). Problemy vdoskonalennja upravlinnja derzhavnymy korporatyvnymy pravamy [Problems of improving the management of state corporate rights]. Ekonomika Ukrainy – Economy of Ukraine. – № 5, 29–36 [in Ukrainian].
33. Mishchenko, S. (2008). Sutnist ekonomichnogo kapitalu ta jogo rol u zabezpechenni fi nansovoi stiykosti banku [Th e essence of economic capital and its role in ensuring fi nancial stability of the bank]. Visnyk NBU – Bulletin NBU, 1, 58–64 [in Ukrainian].
Переглядів анотації: 373 Завантажень PDF: 224 Завантажень PDF: 60
Опубліковано
2018-03-21
Як цитувати
(1)
Міщенко, В.; Міщенко, С. Маркетинг цифрових інновацій на ринку банківських послуг. fp 2018, 75-79.
Розділ
Статті
