Pricing mechanism of banking products

The pricing problem of banking services is quite versatile and requires resolving a number of issues. In the context of a competitive banking environment and the expansion of the range of banking services, it becomes necessary to find the most effective mechanisms for making price offers. As a rule, the customer is interested not simply in the banking service, which is available in almost any second-tier bank, but in high quality and affordability. Based on the synthesis of the quality management process of banking services and the pricing process, this article proposes a model for setting prices for banking products and services with regard to their quality. The starting point for the research was the works of domestic and foreign authors on the essence of banking marketing, the relationship between the price of the banking product and its quality, and the problem of choosing possible quality assessment methods by examining a bank credit. The authors’ model of an algorithm for finding the price/quality ratio of the banking service is offered, which gives a step-by-step description of the process of assessing the characteristics of the banking service. The article shows what opportunities are opened for the bank subject to the assessment of the price/quality ratio of the banking service.peer-reviewe

Uncertainty and Crop Production Planning in the Context of Supply Chain Management Optimization

Abstract- In the supply chain management system (SCM) in agribusiness, it is critical to ensure the economicsustainability of farms - suppliers of raw materials for processing. The purpose of the study was to develop methods and procedures for calculating the projected values of income per hectare from the crops cultivated, taking into account the conditions of crop production in the Northern Kazakhstan. The main features of crop production in the region are (1) it is highly exposed to the risks of natural and market properties; (2) farms are, as a rule, diversified with the cultivation of many different crops

PARAMETRIZED EVENT ANALYSIS FROM SOCIAL NETWORKS

The growth of data in social networks facilitate demand for data analysis. The field of event detection is of increasing interest to researchers. Events from real life are actively discussed in the virtual space. Event detection results can be used in a variety of applications, from digital marketing to collecting data about natural disasters. Thereby, researchers face the emergence of new algorithms along with the improvement of existing solutions in the event detection field. This paper proposes improvements to the SEDTWik (Segment-based Event Detection from Tweets using Wikipedia) algorithm. The SEDTWik algorithm is designed to detect events without contextual guidance. The overall SEDTWik detection process excludes the perspective of a topic, or multi-topic, guided (or semi-supervised) event detection approach. As a result, some interesting narrowly focused events are not detected as they are weakly relevant in a broader context (e.g., Wikipedia) although acquiring relevance within a conditioned context. Therefore, there is a need for an adaptive perspective where data is to be analysed against a set of narrower topics of interest. This paper shows that SEDTWik gains expressive power after being extended with multi-topic semi-supervision. The evaluation of the current proposal uses the well-known corpora with labeled events, Events2012. In the Events2012 dataset used notation category for events, meaning that events are combined by a certain topic. SEDTWik with topic dictionaries was checked across all categories. In the main part of the article, it is also explained the process of topic dictionary construction from Events2012 labeled tweets. At this stage of the research, in all tasks unigrams were used. SEDTWik with dictionaries showed improved accuracy, and more events were found within a certain category

The study of the logistics development effectiveness in the Eurasian Economic Union countries and measures to improve it

Economic growth and competitiveness of the country depend on the logistics efficiency. The article assesses the efficiency and level of logistics development based on the international ratings analysis in the Eurasian Economic Union countries (EAEU) which have close trade relations with Kazakhstan. The indices of efficiency and effectiveness of logistics development, as well as their components are being analyzed. Differences and trends in their changes are revealed based on the comparative analysis of the logistics efficiency index of the countries with the highest indicators and the countries of the EAEU. The problems of logistics development are considered and the directions for increasing the efficiency of logistics development in the EAEU countries, including Kazakhstan, are justified. Recommendations are proposed to improve the efficiency of logistics.peer-reviewe

Trajectories of development of state-owned banks by analyzing the dynamics of patterns

The article investigates the trajectory of state-owned banks by analyzing the patterns on the example of stateowned banks in Ukraine. The trajectory of the evolution of the state-owned banks can be defined ordered set of patterns, each of which describes the activities of the bank at a concrete moment of the time. The experience of state-owned banks in differently countries around the world was considered. To assess the state-owned banks in Ukraine for the period 2007-2016 the authors offer to assess the dynamics model of patterns of stateowned banks based on Kohonen self-organizing maps and cluster analysis. The model includes 14 indicators providing input variables of model formation. Also it comprises 35 banks of Ukraine, which has been operated during 2007-2016, including 7 state-owned banks. The authors proved that the Ukrainian state-owned banks are essentially commercial banks and non-state agents of a special mission, recently transformed into an additional burden for the state budget

Integration of Financial Markets under the Conditions of the Eurasian Economic Union: Challenges and Opportunities

The focus on the regional financial integration became a center of attention due to enhancement of cooperation among member states the Eurasian Economic Union and sustainable development. However, the reality of global experience demonstrated that such practices have ambiguous effects on economies. The article discloses main issues of the integration of financial markets in the framework of the Eurasian Economic Union through the analysis of preconditions and conditions of the formation of a single financial market. The research examined development of financial trade between Armenia, Belarus, Kazakhstan, Kyrgyzstan and Russia, creation of supranational bodies on regulation of the financial markets, formation of the developed financial infrastructure and favorable investment climate. The research based empirical study of statistical and secondary data of the member states, and conclusion and propositions on policies have been derived from the comparative analysis of the economies of these countries

Modeling of single mode optical fiber having a complicated refractive index profile by using modified scalar finite element method

A numerical method based on modified scalar finite element method (SC-FEM) is presented and programmed on MATLAB platform for optical fiber modeling purpose. We have estimated the dispersion graph, mode cut off condition, and group delay and waveguide dispersion for highly complicated chirped type refractive index profile fiber. The convergence study of our FEM formulation is carried out with respect to the number of division in core. It has been found that the numerical error becomes less than 2 % when the number of divisions in the core is more then 30. To predict the accurate waveguide dispersion characteristics, we need to compute expression (d^2 (Vb))/(dV^2 ) numerically by the FEM method. For that the normalized propagation constant b (in terms of β) should be an accurate enough up to around 6 decimal points. To achieve this target, we have used 1 million sampling points in our FEM simulations. Further to validate our results we have derived the higher order polynomial expression for each case. Comparison with other methods in calculation of normalized propagation constant is found to be satisfactory. In traditional FEM analysis a spurious solution is generated because the functional does not satisfy the boundary conditions in the original waveguide problem, However in our analysis a new term that compensate the missing boundary condition has been added in the functional to eliminate the spurious solutions. Our study will be useful for the analysis of optical fiber having varying refractive index profile