Contemporary challenges and risks of retail banking development in Ukraine

Retail banking is an essential part of the financial services, accounting for a large part of all banking revenues and capital raising. This business line is designing the vital sphere to apply the adequate decision making approach for customer engagement, sustain profitability and increase competitive advantages. The modern trends in retail banking globally are based on digital innovations, bionic transformation and new regulatory issues. Ukrainian banks have also taken the first step to apply on-line platforms and cashless methods in banking. However, problems occur in the implementation of current global trends in the domestic retail market, which need to be solved. The authors have identified the key objectives of market changes in retail banking operational processes, which have significant impact on the banking ecosystem creation of retail banking in Ukraine. The review part of the article studied the modern challenges and advantages of retail banking development in Ukraine with comparative analyses of current global and regional issues, based on digital technologies and innovations in financial industry. The results of the analyses investigate the state of retail banking, and prospects of revenue growth, explain the key performance indicators of retail banking services, present insights of the key drivers of the Ukrainian’s banking efficiency gap. Based on operational risks and productivity analyses, the authors estimated the negative issues in Ukrainian retail banking. The results enable existing banks to determine the financial and operational risks, and increase the effectiveness of applying digital innovations in domestic retail banking sector. The recommendations for the enforcement of the market and regulatory changes of retail banking landscape in the case of Ukraine are suggested

International Standards for Valuation of Property for Lending Purposes and Prospects for their Use in Ukraine

The aim of the article is to justify promising areas for the harmonization of national approaches to valuation of property for lending purposes with international and European standards based on comparing their structure and content. The carried out analytical review of the modern mortgage banking market in Ukraine and European countries made it possible to identify key trends, obstacles, and risks of its functioning, in particular, in the aspect of valuation of property for lending purposes. The factors that adversely affect the ability of the mortgage market to be a strong full link between the financial market and the real estate market in Ukraine, as well as to stimulate the country’s socio-economic development in the long term, are substantiated. The author describes foreign initiatives regarding the standardization of property valuation based on a comparative analysis of the structure and methodology of valuation in accordance with the European Valuation Standards EVS-2016 and the International Valuation Standards IVS-2017. There justified promising areas for the harmonization of the national valuation standards with consideration for international approaches to valuation of property for lending purposes, which will provide for eliminating methodological differences in valuation activity and increase its integration in both the commercial real estate market and the mortgage banking market in Ukraine

Media representations of social conflicts: Identifying theoretical foundations for typology

The paper suggests integrated theoretical foundations for systemizing media representations of social conflicts and defining major roles attributed to media coverage of conflicts in current academic research. Using theoretical modeling, we identify the main types of social conflicts identified by Russian and foreign scholars, which is essential for revealing diverse media representations of conflicts. Then we show the key variables used by Russian and foreign media scholars to categorize the roles played by media in representation of conflicts, and discuss the results within broader media conflictology paradigm

ZONEAMENTO DE USO DAS TERRAS DA ESTAÇÃO EXPERIMENTAL DE TUPI, SP

É apresentado o zoneamento de uso das terras da Estação Experimental de Tupi, SP, Brasil, baseado nas características pedológicas e na metodologia de levantamento do uso do solo para fins recreativos. As condições específicas do local levaram a concluir que é possível aliar as atividades de planejador, pesquisador e do usuário, dando um aproveitamento integral e racional à área, proporcionando assim, condições adequadas ao uso da produção e preservação dos recursos naturais, bem como ao lazer, que devido à demanda, carece cada vez mais da abertura de áreas verdes

Sefer Tesubot Dunas ben Labrat : Kritik des Dunasch ben Labrat über einzelne Stellen aus Saadia's arabischer Uebersetzung des A.T. und aus dessen grammatischen Schriften

Copia digital. Madrid : Ministerio de Cultura. Subdirección General de Coordinación Bibliotecaria, 201

Development of Communication Strategies for the Marketing of Electronic Banking Services for Individuals

The main aim of the article is to study the trends in the development of communication strategies for the marketing of electronic banking services for individuals by studying the foreign experience in Digital Banking, as well as the situation in the Ukrainian banking market. There offered a comparative characteristic of banking systems of electronic banking services for clients with the purpose of working out flexible methodological approaches for the development of marketing communication strategies for remote client servicing. The characteristic features of electronic banking services and technologies in Ukraine are determined. Comparative evaluation of positive aspects and risks of remote electronic banking systems for banks as well as their client segment is conducted. Analytical aspects of the sociological survey of European banks regarding the selection of the most important priorities of the marketing strategies of financial institutions for 2017 are presented. Also the main factors determining the development of marketing communications of banks and their clients in the field of electronic payments both in Ukraine and abroad are identified. Modern directions of development of communication strategies of marketing of electronic banking services for individuals in Ukraine are proposed

Les traditions d'Ainay.

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Penentuan Kadar Timbal (II) dalam Air Sungai Secara Sequential Injection Analysis (SIA) Menggunakan Alizarin Red S sebagai Pengompleks

Timbal (II) atau Pb2+ yang mencemari air sungai dapat membahayakan makhluk hidup terutama makhluk hidup yang tinggal di dalam air sungai. Pada penelitian ini, penentuan timbal (II) dikembangkan dengan menggunakan metode Sequential Injection Analysis (SIA) yang didasarkan pada reaksi pembentukan kompleks Pb-ARS . Metode SIA ini dilengkapi dengan valve mixing dan pembentukan segmen-segmen pada holding coil yang disebut sebagai SI-VM. Penyempurnaan reaksi pembentukan senyawa kompleks Pb-ARS dilakukan dengan pembentukan segmen pada holding coil dan proses flow reversal dengan menggunakan valve mixing. Parameter-parameter yang mempengaruhi terbentuknya senyawa kompleks Pb-ARS yaitu pH larutan timbal (II) dan larutan Alizarin Red-S (ARS), konsentrasi ARS, volume ARS, laju alir Pb-ARS menuju detektor,dan delay time (waktu reaksi) di valve mixing.Hasil penelitian menunjukkan kondisi optimum pengukuran timbal (II) yaitu pH optimum larutan timbal (II) dan ARS adalah 8, Konsentrasi ARS optimum 2,5.10-4 M, volume optimum ARS 150 μL, waktu reaksi terbentuknya senyawa kompleks di valve mixing optimum 3 detik, laju alir optimum 50 μL/s. Metode SIA memiliki limit deteksi yang kecil yaitu 0,0258 ppm

Global Trends and Initiatives in Forming the Green Bonds Market in the Context of COVID-19

The article is aimed at studying the current global trends and national initiatives in forming a green bonds market in Ukraine through attracting investment to implement environmentally important projects in the area of energy conservation. The essence and key features of “green” bonds as an effective financial instrument for the implementation of environmentally friendly projects in economy are revealed. Analytical review of the green bond market development in the international space and European countries has helped to identify global investment trends and a number of essential features of “green bonds” as a lucrative investment asset in the long run, which brings positive socio-economic and environmental effects. The legal base and regulatory aspect of the formation of the green bonds market in the national economy is compared with those of the developed countries. The main provisions of forming the state policy on the green bond market in Ukraine are analyzed, taking into account the expected results of attracting finance in the sphere of energy efficiency. The risks and promising areas of implementing the Concept of introduction and development of the green bonds market in Ukraine is identified on the basis of changing trends in the investment sphere of the global financial market. It is substantiated that the potential of market development in Ukraine creates the basis for attracting investment capital in various areas of energy efficiency and helps our country to join global trends of greening the national economy in the context of the pandemic. It is proved that the green bond market can compete with investments in virtual assets and will have a long-term economic effect in the process of modernizing the national economy in the period of global climate change and COVID-19