Customization of Financial Services: Digitalization, Transformation, Trust, Emphasizing the Role of Education in Processes

Autores

  • Yurii Yevtushenko Chernihiv Polytechnic National University Chernihiv, Ukraine
  • Mykhailo Bilyi Vasyl Stefanyk Precarpathian National University Ivano-Frankivsk, Ukraine
  • Serhii Lesun Chernihiv Polytechnic National University Chernihiv, Ukraine
  • Yuriy Fedoriv Chernihiv Polytechnic National University Chernihiv, Ukraine
  • Andrii Kravchenko Chernihiv Polytechnic National University Chernihiv, Ukraine
  • Oleksii Akinchyts Chernihiv Polytechnic National University Chernihiv, Ukraine

DOI:

https://doi.org/10.14571/brajets.v18.nse3.239-249

Palavras-chave:

Financial Services, Digital Technologies, Educational Processes, Financial Institution, Digital Economy

Resumo

The article examines the influence of digital technologies on the functioning of the financial services market emphasizing the role of education in processes. Among the main research methods, the following are used in the article: observation, content analysis, comparison, induction, deduction, abstraction, statistical methods for visualizing analytical information. As a result, considerable attention was paid to revealing the essence of customization and the peculiarities of its implementation in the field of financial services. The prerequisites for the customization of financial services were also identified. Analysis of the state of implementation of modern digital technologies by financial institutions made it possible to specify the advantages of using such technologies for consumers of financial services and financial institutions. The article analyzes in detail the role of information and communication innovations in the formation of trust in the field of financial services between banking and non-banking financial institutions and their clients, and considers the mechanism of such trust formation. Attention is also paid to the description of future prerequisites for further customization of financial services, the growth of trust between financial intermediaries and consumers of such services in the conditions of the formation of the digital economy.

Referências

Bogers, Toine, Musto, Cataldo, Wang, David, Felfernig, Alexander, Bruun, Simone, Borg, Semeraro, Giovanni, Zheng, Yong. (2022). FinRec: The 3rd International Workshop on Personalization & Recommender Systems in Financial Services. RecSys '22: Proceedings of the 16th ACM Conference on Recommender Systems (рр. 688-690). https://doi.org/10.1145/3523227.3547420.

Dan, Zhou, Mika, Kautonen, Weiqi, Dai, Hui, Zhang. (2021). Exploring how digitalization influences incumbents in financial services: The role of entrepreneurial orientation, firm assets, and organizational legitimacy. Technological Forecasting and Social Change, 173, 121120. https://doi.org/10.1016/j.techfore.2021.121120.

Dubyna, M., Popelo, O., Kholiavko, N. (2021). World Experience In The Introduction Of Modern Innovation And Information Technologies In The Functioning Of Financial Institutions. Baltic Journal of Economic Studies, 7(2), 188-199. https://doi.org/10.30525/2256-0742/2021-7-2-188-199.

Dubyna, M., Zhavoronok, A., Kudlaieva, N., Lopashchuk, I. (2021). Transformation of Household Credit Behavior in the Conditions of Digitalization of the Financial Services Market. Journal of Optimization in Industrial Engineering, 14(1), 97-102. DOI:10.22094/JOIE.2020.677835.

Gautam, Rahul Singh, Siddiqui, Mobashshir, Panda, Nishant, Rastogi, Shailesh, Gannamaraju, Ravi Teja. (2024). Digitalization of Government Financial Services and its Impact on Sustainable Development Goals in India. 2024 International Conference on Automation and Computation (AUTOCOM) (рр. 558-562). DOI: 10.1109/AUTOCOM60220.2024.10486078

Grosu, V., Kholiavko, N., Zhavoronok, A., Zlati, M.L., Cosmulese, C.G. (2021). Conceptualization of model of financial management in romanian agriculture. Economic Annals-XXI, 191(7-8(1)), 54-66. https://doi.org/10.21003/ea.V191-05.

Jiang, D., Ni, Z., Chen, Y., Chen, X., Na, C. (2023). Influence of Financial Shared Services on the Corporate Debt Cost under Digitalization. Sustainability, 15, 428. https://doi.org/10.3390/su15010428.

Koval, V., Laktionova, O., Atstaja, D., Grasis, J., Lomachynska, I., Shchur, R. (2022). Green Financial Instruments of Cleaner Production Technologies. Sustainability, 14(17), 1-17. https://doi.org/10.3390/su141710536.

Lähteenmäki, Ilkka, Nätti, Satu, Saraniemi, Saila. (2022). Digitalization-enabled evolution of customer value creation: An executive view in financial services. Journal of Business Research, 146, 504-517. https://doi.org/10.1016/j.jbusres.2022.04.002.

Marhasova, V., Rudenko, O., Popelo, O., Kosach, I., Sakun, O., Klymenko, T. (2024). Mechanisms of State Management of the Development of Digital Technologies in the National Security System. Journal of the University of Zulia, 15(42), 389-406. https://doi.org/10.46925//rdluz.42.22.

Popelo, O., Dubyna, M., Kholiavko, N., Panchenko O., Tarasenko, A. (2022). Features of the Transformation of the Regional Models of the Households’ Financial Behavior. Management Theory and Studies for Rural Business and Infrastructure Development, 44(1), 117-124. https://doi.org/10.15544/mts.2022.12.

Tarasenko, O., Dubyna, M., Popelo, O. (2022). The Essence of the Deposit Behavior of Households and Features of its Formation in the Conditions of Turbulent Development of the Financial Services Market. Baltic Journal of Economic Studies, 8(1), 134-147. https://doi.org/10.30525/2256-0742/2022-8-1-134-147.

Zhavoronok, A., Chub, A., Yakushko, I., Kotelevets, D., Lozychenko, O., Kupchyshynа, O. (2022). Regulatory Policy: Bibliometric Analysis Using the VOSviewer Program. International Journal of Computer Science and Network Security, 22(1), 39-48. https://doi.org/10.22937/IJCSNS.2022.22.1.7.

Downloads

Publicado

14-03-2025

Como Citar

Yevtushenko , Y., Bilyi , M., Lesun , S., Fedoriv , Y., Kravchenko , A., & Akinchyts , O. (2025). Customization of Financial Services: Digitalization, Transformation, Trust, Emphasizing the Role of Education in Processes. Cadernos De Educação, Tecnologia E Sociedade, 18(se3), 239–249. https://doi.org/10.14571/brajets.v18.nse3.239-249

Edição

v. 18 n. se3 (2025)

Seção

Artigo

Licença

Copyright (c) 2025 Yurii Yevtushenko , Mykhailo Bilyi , Serhii Lesun , Yuriy Fedoriv , Andrii Kravchenko , Oleksii Akinchyts

Creative Commons License
Este trabalho está licenciado sob uma licença Creative Commons Attribution 4.0 International License. A revista segue a política para Periódicos de Acesso Livre, oferecendo acesso livre, imediato e gratuito ao seu conteúdo, seguindo o princí­pio de que disponibilizar gratuitamente o conhecimento cientí­fico ao público proporciona mais democratização internacional do conhecimento. Por isso, não se aplica taxas, sejam elas para submissão, avaliação, publicação, visualização ou downloads dos artigos. Além disso, a revista segue a licença Creative Common (CC BY) permitindo qualquer divulgação do artigo, desde que sejam referenciados o artigo original. Neste sentido, os autores que publicam nesta revista concordam com os seguintes termos: A) Os autores mantém os direitos autorais e concedem à revista o direito de primeira publicação, com o trabalho simultaneamente licenciado sob a Creative Commons Attribution License (CC BY), permitindo o compartilhamento do trabalho com reconhecimento da autoria do trabalho e publicação inicial nesta revista. B) Autores têm autorização para distribuição não-exclusiva da versão do trabalho publicada nesta revista (ex.: publicar em repositório institucional e não institucional, bem como capí­tulo de livro), com reconhecimento de autoria e publicação inicial nesta revista. C) Autores sãoo estimulados a publicar e distribuir seu trabalho online (ex.: repositórios online ou na sua página pessoal), bem como aumentar o impacto e a citação do trabalho publicado.