КОНЦЕПЦІЯ КОНКУРЕНТНОЇ СТРАТЕГІЇ КОМЕРЦІЙНОГО БАНКУ В УМОВАХ НЕВИЗНАЧЕННОСТІ
Анотація
У статті вирішено актуальне наукове завдання розробки концепції конкурентної стратегії комерційного банку в умовах невизначеності. Обґрунтовано необхідність переходу від інтуїтивного управління до застосування економіко-математичного моделювання. Запропоновано адаптивну блочну модель, яка інтегрує методи кластерного аналізу для ідентифікації груп конкурентів, теорію ігор для оптимізації цінової політики та системну динаміку для сценарного прогнозування. Структура моделі охоплює чотири ключові блоки: динаміку зовнішнього середовища, алгоритми поведінки банку, дії конкурентів та механізм їхньої ринкової взаємодії. Реалізація концепції дозволяє банку визначати оптимальні відсоткові ставки, забезпечуючи максимізацію доходу та фінансову стійкість установи. Практична реалізація запропонованих концептуальних основ конкурентної стратегії надає менеджменту дієвий інструментарій для прийняття обґрунтованих стратегічних рішень в умовах агресивного конкурентного середовища.
Посилання
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Ahmed, R., & Aldasoro, I. (2025). Stablecoin and Safe Asset Prices (BIS Working Papers No. 1270). Basel: Bank for International Settlements.
ARIX Business Intelligence. (2024). Banking in 2030 – How will the current global trends, especially AI, shape the post-COVID19 future of the European banking industry: Final Report. Munich: ARIX Business Intelligence.
Basel Committee on Banking Supervision. (2023). Core principles for effective banking supervision: Consultative Document. Basel: Bank for International Settlements. URL: https://www.bis.org/bcbs/publ/d551.pdf
Basten, C., & Juelsrud, R. (2025). Monetary policy transmission through cross-selling banks (Working Paper Series No. 3072). Frankfurt am Main: European Central Bank. URL: https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp3072~b21a930fa2.en.pdf
Bikker, J. A., & Groeneveld, J. M. (2000). Competition and Concentration in the EU Banking Industry. Kredit und Kapital, vol. 33(1), pp. 62–98.
Cao, J., Dubuis, P., & Liaudinskas, K. (2025). Relationship lending and monetary policy pass-through (Norges Bank Working Paper). Oslo: Norges Bank.
Chitraju, S. (2025). Operational Risk in Banking: Strengthening Resilience through Robust Compliance. SSRN Electronic Journal. URL: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5613670
Choi, J., & Ngo-Ye, T. L. (2023). Artificial intelligence in financial services: a systems dynamics approach. Issues in Information Systems, vol. 24(1), pp. 201–210. DOI: 10.48009/1_iis_2023_117
Consultative Group on Risk Management. (2025). Governance of AI adoption in central banks. Basel: Bank for International Settlements. URL: https://www.bis.org/publ/othp90.pdf
Dao, M., & Gourinchas, P.-O. (2025). Covered Interest Parity Deviations in Emerging Markets: Measurement and Drivers (IMF Working Paper No. 25/057). Washington, DC: International Monetary Fund.
European Banking Federation. (2024). Financing the future: a strategic banking sector for a competitive Europe. Brussels: European Banking Federation. URL: https://www.ebf.eu
European Central Bank. (2025). Financial Stability Review. Frankfurt am Main: European Central Bank. URL: https://www.ecb.europa.eu/pub/financial-stability/fsr/html/index.en.html
Halliday, K., Bressani, A., & Markou, P. (2025). Banking on Uncertainty: Thriving Through the Tariff Storm. Boston: Boston Consulting Group. URL: https://www.bcg.com
Infosys Finacle. (2024). Digital Banking Resilience: Emerging Norms and Strategic Considerations. Bangalore: EdgeVerve Systems Limited. URL: https://www.finacle.com
International Monetary Fund. (2025). Global Financial Stability Report: Shifting Ground beneath the Calm. Washington, DC: International Monetary Fund. URL: https://www.imf.org/en/Publications/GFSR
Judijanto, L., Novitasari, S. A., & Arini, R. E. (2025). Competitive Advantage of Banking Industry in the Digital Age: A Bibliometric Approach. West Science Interdisciplinary Studies, vol. 03(04), pp. 640–652. URL: https://wsj.westscience-press.com/index.php/wsis
Kuzheliev, M., Zherlitsyn, D., Rekunenko, I., Nechyporenko, A., & Stabias, S. (2025). Expanding portfolio diversification through cluster analysis beyond traditional volatility. Investment Management and Financial Innovations, vol. 22(1), pp. 147–159. DOI: 10.21511/imfi.22(1).2025.12
Levin, J. D., & Malfroy-Camine, A. (2025). Bank Lending to Private Equity and Private Credit Funds: Insights from Regulatory Data (Supervisory Research and Analysis Note No. 2025–02). Boston: Federal Reserve Bank of Boston.
McGee, A. S. (2024). Competition in the Banking Industry: An Empirical Study (PhD Thesis). Minneapolis: Walden University. URL: https://scholarworks.waldenu.edu/dissertations
Morecroft, J. (2025). Reflections on System Dynamics in 2025: The Times They Are A-Changin’. Proceedings of the 2025 International System Dynamics Conference. Boston: System Dynamics Society.
Narayanan, R., Ratnadiwakara, D., & Strahan, P. E. (2025). The Decline of Branch Banking. Available at SSRN.
Papathanassiou, C. (2024). Digital innovation and banking regulation (ECB Occasional Paper Series No. 351). Frankfurt am Main: European Central Bank. URL: https://www.ecb.europa.eu/pub/pdf/scpops/ecb.op351~c46b57f061.en.pdf
Pelizzon, L., Mattiello, R., & Schlegel, J. (2025). Growth of non-bank financial intermediaries, financial stability, and monetary policy. Paper presented at the ECB Forum on Central Banking. Sintra, July.
Reuter, M. (2025). Decrypting Crypto: How to Estimate International Stablecoin Flows (IMF Working Papers Vol. 2025, Issue 141). Washington, DC: International Monetary Fund.
Standard Chartered, KPMG, & UNDRR. (2024). Guide for Adaptation and Resilience Finance. London: Standard Chartered.
Wijnhoven, F., & D’Alessandro, S. (2025). System Dynamics with Insight Maker. Perth: Edith Cowan University. URL: https://ro.ecu.edu.au/ecuworks2022-2026/7025
Zhang, R., & Wang, S. (2023). Economic Policy Uncertainty and Bank Stability: An Analysis Based on the Intermediary Effects of Opacity. Sustainability, vol. 15(4084). DOI: 10.3390/su15054084
Zsámboki, B. et al. (2025). Buffer usability in a complex world (ECB Occasional Paper Series No. 374). Frankfurt am Main: European Central Bank.
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