SECURITY OF BANKING ACTIVITIES IN THE CONDITIONS OF MILITARY RISKS
Abstract
The purpose of this article is to examine the impact of the full-scale military invasion on Ukraine's banking system and to develop scientifically grounded approaches to ensuring financial stability and security in the banking sector under wartime risks. The research methodology is based on a systematic approach to analyzing the integration of digital technologies and economic-mathematical modeling. Methods of economic and mathematical analysis, comparative analysis, and forecasting were applied. An abstract approach was used to assess the effectiveness of digital technologies in managerial decision-making processes. Empirical data on the digital transformation of the economy were utilized, along with an analysis of the regulatory and legal aspects of digitalization. Based on the method of logical generalization, approaches to integrating digital technologies into business processes were determined. To form the final results of the study and determine approaches to increasing the stability of the banking system, the method of logical generalization was used. The article examines the security of banking activities under wartime risks. It highlights the key threats faced by the banking sector during the war, including macroeconomic, financial, cyber, and operational risks. The measures implemented by the National Bank of Ukraine to maintain financial stability are analyzed, including anti-crisis monetary policies, bank refinancing mechanisms, and enhanced control over financial flows. The main challenges related to ensuring the continuity of banking operations and risk management in crisis conditions are outlined. The liquidity issues of the banking system and potential consequences for monetary policy are discussed. Strategic mechanisms for adapting the banking system to crisis conditions are proposed, including the digitalization of financial processes, improvement of regulatory measures, and engagement of international financial support. The necessity of further research on enhancing the resilience of Ukraine's banking system amid prolonged military conflict is substantiated.
References
Дзямулич М. І. Сутність електронних грошей в сучасній фінансовій системі. Економічні науки. Серія «Облік та фінанси». 2010. №7(25). Ч4. С. 181–185.
Дзямулич М. І., Чижик О. М. Забезпечення ліквідності комерційних банків в умовах фінансової кризи. Економічний простір. 2009. №23/2. С. 66–72.
Карлін М., Шматковська Т., Борисюк О. Банківські інновації в умовах формування цифрової економіки. Економіка та суспільство. 2021. № 27.
Національний банк України : веб-сайт. URL: https://bank.gov.ua/ (дата звернення 10.02.2025).
Стащук О. В., Борисюк О. В., Шматковська Т. О. Роль банківських інновацій на фінансовому ринку в умовах глобального фінансово простору. Економічний часопис Східноєвропейського національного університету імені Лесі Українки. 2020. №4(24). С.71–79.
Чиж Н. М., Дзямулич М. І., Урбан О. А. Управління власним капіталом банку: проблеми та перспективи. Економічний форум. 2016. №2. С. 310–315.
Чиж Н. М., Дзямулич М. І., Урбан О. А. Управління інноваційною діяльністю банківських установ. Економічний форум. 2018. № 1. С. 284–289.
Шматковська Т. О., Коробчук Т. І. Сучасні інформаційні та комунікаційні технології в моделюванні бізнес-процесів. Економічний форум. 2023. №3. С. 156–161.
Dziamulych M., Krupka I., Petyk V., Zaplatynskyi M., Korobchuk T., Synenko V., Avramchuk L. Operational efficiency of Ukraine`s banking system during the war. AD ALTA: Journal of interdisciplinary research. 2023. Vol. 13(1). Special Issue XXXII. Pp. 164–168.
Yakubiv V., Sodoma R., Shmatkovska T., Dziamulych M., Brodska I. Digitalization of Payment Systems in Ukraine. International Journal of Recent Technology and Engineering. 2020. Vol. 8(5). Pp. 4590–4596.
Yatsukh O., Demchenko I., Ilnytskyy D., Tsap V., & Shmatkovska, T. Management of banking innovations in the conditions of digitalization. AD ALTA: Journal of Interdisciplinary Research. 2021. Vol. 11. Special issue XVII. Pp. 123–127.
Dziamulych, M. I. (2010). Sutnist elektronnykh groshei v suchasnii finansovii systemi [The essence of electronic money in the modern financial system]. Ekonomichni nauky. Seria “Oblik ta finansy”, vol. 7(25), part 4, pp. 181–185 (in Ukrainian).
Dziamulych, M. I., & Chyzhyk, O. M. (2009). Zabezpechennia likvidnosti komertsiinykh bankiv v umovakh finansovoi kryzy [Ensuring the liquidity of commercial banks in the conditions of the financial crisis]. Ekonomichnyi prostir, vol. 23/2, pp. 66–72 (in Ukrainian).
Karlin, M. Shmatkovska, T. & Borysyuk, O. (2021). , Bankivski innovatsii v umovakh formuvannia tsyfrovoi ekonomiky [Banking innovations in the conditions of the digital economy formation]. Ekonomika i suspilstvo, vol. 27 (in Ukrainian).
National Bank of Ukraine. Available at: https://bank.gov.ua/ (accessed February 10, 2025).
Borysjuk, O. V., Stashchuk, О. V., & Shmatkovsjka, T. O. (2020). [The role of banking innovation in the financial market in the conditions of the global financial space]. Ekonomichnyi chasopys Volynskoho Natsionalnoho Universytetu imeni Lesi Ukrainky, vol. 4(24), pp. 71–79 (in Ukrainian).
Chyzh, N. M., Dziamulych, M. I., & Urban O. A. (2016). Bank equity management: problems and prospects [Upravlinnia vlasnym kapitalom banku: problemy ta perspektyvy]. Ekonomichnyi forum, vol. 2. pp. 310–315 (in Ukrainian).
Chyzh, N. M., Dziamulych, M. I., & Urban, O. A. (2018). Upravlinnia innovatsiinoiu diialnistiu bankivskykh ustanov [Management of innovative activities of banking institutions]. Ekonomichnyi forum, vol. 1, pp. 284–289 (in Ukrainian).
Shmatkovska T. O., & Korobchuk T. I. (2023). Suchasni informatsiini ta komunikatsiini tekhnolohii v modeliuvanni biznes-protsesiv [Modern information and communication technologies in modeling business processes]. Ekonomichnyi forum, vol. 3, pp. 156–161 (in Ukrainian).
Dziamulych, M., Krupka, I., Petyk, V., Zaplatynskyi, M., Korobchuk, T., Synenko, V., & Avramchuk, L. (2023). Operational efficiency of Ukraine`s banking system during the war. AD ALTA: Journal of interdisciplinary research, vol. 13(1), special issue XXXII, pp. 164–168.
Yakubiv, V., Sodoma, R., Shmatkovska, T., Dziamulych, M., & Brodska, I. (2020). Digitalization of Payment Systems in Ukraine. International Journal of Recent Technology and Engineering, vol. 8(5), pp. 4590–4596.
Yatsukh, O., Demchenko, I., Ilnytskyy, D., Tsap, V., & Shmatkovska, T. (2021). Management of banking innovations in the conditions of digitalization. AD ALTA: Journal of Interdisciplinary Research, vol. 11, special issue XVII, pp. 123–127.
This work is licensed under a Creative Commons Attribution 4.0 International License.
