Migration of the Banking Sector to Digital Banking in Poland

Kozak, Sylwester; Golnik, Bartosz

doi:10.2478/ers-2020-0021

Cited by 6 publications

(11 citation statements)

References 10 publications

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“…Milenyum ile birlikte IT sektöründe yaşanan hızlı gelişmelerin bu tarz değişimlerde büyük etkileri olduğu gözlenmektedir. Performans artışı ve performas gözlemi parametreleri arasına sistemsel gecikme ve hataların azaltılması, bekleme sürelerinin kısaltılması gibi teknoloji merkezli unsurların dahil edilmesi geleneksel görüşten teknoloji adaptasyonuna doğru kaymaları ortaya çıkartmaktadır (Kozak & Golnik, 2020;Tam & Oliveira, 2017)..…”

Section: Discussionunclassified

“…319-322). Değişen koşullarda performans konusunun değerlendirilmesindeki gelişmeler için ayrıca konuya farklı noktalardan yaklaşan ve dijital bankacılığın işgücü piyasasına etkilerini değerlendiren (Diener & Špaček, 2021;Fernández Torres, Gutiérrez Fernández, & Palomo Zurdo, 2019;Goel & Garg, 2018;Kozak & Golnik, 2020;Mbama & Ezepue, 2018;Mosteanu, 2020;Sehgal & Garg, 2020) çalışmaları incelenebilir.…”

Section: 1literatür Taramasıunclassified

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Is It Possible to Make Savings in the Digitalization Process? Quantity or the Quality of the Employees?

Daver

2021

Yönetim Bilimleri Dergisi

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Bu çalışma Türkiye'nin finans endüstrisindeki dönüşüme bankların dijitalleşirken tasarruf edebilme durumunu sorgulayarak odaklanmaktadır. Bankacılıkta dijitalleşme, geleneksel şube bankacılığından dijital banka uygulamalarına geçiş olarak değerlendirilebilir. Çalışmada geleneksel şube bankacılığı ve dijital bankacılığın birbirinin tamamlayıcısı olduğu kabul edilmektedir ve şube azaltmak yerine şube çalışan sayısını azaltarak tasarruf edebilme olasılığı sorgulanmaktadır. Verilerin kaynağı Bankacılık Düzenleme ve Denetleme Kurumu (BDDK)'dur. Zaman serisi olarak hazırlanan seriler, BDDK veri tabanlarından 2002 yılından 2021 Mayıs ayına kadar derlenen kredi tutarı, mevduat tutarı ve çalışan sayısı değişkenleridir. Zaman serisi çalışmalarının ön koşulu olarak kabul edilen durağanlık sınamaları tamamlanmıştır. Araştırma sorusuna ve veriye uygun ekonometrik model kurgusu için değişkenler üzerinde kısıtlamalarda esnek davranılarak, geleneksel vektör otoregresyon modeli (VAR modeli) oluşturulmuştur. VAR modelin ardından, etki -tepki analizi ile varyans ayrıştırması uygulaması gerçekleştirilmiştir. Çalışmanın literatüre en önemli katkısı, Türkiye örnekleminde, yüksek insan-insan etkileşimi seviyelerine sahip geleneksel bankaların, 2021 yılı itibariyle tüm bankacılık sektöründe çalışan azaltarak maliyet düşürmenin mümkün olduğu çıkarımını kısıtlamakta olduğudur.

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Section: Discussionunclassified

Section: 1literatür Taramasıunclassified

Is It Possible to Make Savings in the Digitalization Process? Quantity or the Quality of the Employees?

Daver

2021

Yönetim Bilimleri Dergisi

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“…The digitalization of banking operations leads to a reduction in the network of bank branches and the number of employees. In 2016-2019 in Poland, the development of internet and mobile banking contributed to a decrease in the number of branches by 700 branches and a decrease in the share of employees of branches by 49% (Kozak and Golnik, 2020).…”

Section: Legal Guidelines For Digitalization As a Factor In The Sustainable Development Of The Russian Banking Systemmentioning

confidence: 99%

“…In modern studies of banking systems in the context of digital economy development in conjunction with sustainable development factors, such issues are considered as the factor of the influence of banking system sustainability on the stability of developing countries (Ntarmah et al, 2019), the impact of digitalization on banking services (Garg, 2020), impact of digitalization on banking and financial markets in India (Kapadia, 2020), factors influencing the spread of mobile banking (Shankar et al, 2020), the impact of digital technologies on the availability of financial services and the stability of the financial system (Carb o-Valverde, 2017;Ozili, 2018), digital transformation of the banking sector (Kozak and Golnik, 2020).…”

Section: Introductionmentioning

confidence: 99%

Digital transformation of the banking system in the context of sustainable development

Tsindeliani

Прошунин

Sadovskaya

et al. 2021

JMLC

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Purpose The purpose of this paper is to study the current state of the Russian banking system in the context of digital economy development, to establish and identify the benchmarks and needs of legal regulation, to study the potential possibilities of digitalization of relations in the banking sector in the mechanism of implementing prudential rules. Design/methodology/approach Using the method of political and legal analysis used in this study, the legal guidelines for the digitalization of the banking sector and the financial services market have been determined, which in the Russian legal system are strategic planning documents. Findings International research in the field of banking indicates that digitalization and globalization of the economy stimulate the processes of international regulatory cooperation and harmonization of legislation, the use of new approaches in the development and adoption of regulations in the financial market. The growth of digitalization of relations in the banking sector will contribute to the effective implementation of prudential rules, including those related to the need to protect public interests. Originality/value The study revealed a number of issues related to the digitalization of the activities of credit institutions that are professional participants in the securities market and the central bank as a financial mega-regulator, requiring a legal solution. Measures aimed at improving the current legislation and procedures of state regulation and supervision are proposed.

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“…The new economic relations required new payment infrastructure. The new economic relations are closely interconnected with shifting numerous operations to the digital channels (Ozili, 2018;Kozak & Golnik, 2020). The great contribution to the development of digital banking systems in these countries is made by the fintech companies which find there the wonderful field for their activities.…”

Section: Graph 1 Fin Tech Hubs By Regionmentioning

confidence: 99%

Economic Basis of Digital Banking Services Produced by FinTech Company in Smart City

Popova

2021

JoTS

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The accelerated urbanization rate results in the birth of the Smart City concept, presupposing the more efficient use of digital technologies for the benefit of inhabitants and businesses. The idea of digital banking is one of the key issues in a smart city concept. The research should demonstrate that the efficient and effective way to produce such kind of services is to use the fintech companies’ facilities. Many researchers study fintech from a technological point of view, the contribution of fintech to general banking, the level of satisfaction of customers with fintech products. However, there is a gap in studying the economic basis of these companies. The research aims to determine the economic basis for the projects implemented by the fintech company and to determine the source of the efficiency of these companies in financial operations compared to the conventional bank. It has additional importance since the analysis of research devoted to technological solutions demonstrates a certain lacuna in the economic substantiation of such smart solutions. The results of this study are based on the implementation of traditional Cost-Benefit and Total Cost of Ownership analyses and include the developed cost and income functions, calculated Benefit/Cost ratio, and demonstrated the source of efficiency of fintech company compared to a traditional bank. Therefore, the activities of a fintech company in the area of digital banking received the economic ground, and this fact decreases the gap between intuitive comprehension of the necessity of the introduction of smart solutions in practice and the economic substantiation of this process.

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Migration of the Banking Sector to Digital Banking in Poland

Cited by 6 publications

References 10 publications

Is It Possible to Make Savings in the Digitalization Process? Quantity or the Quality of the Employees?

Is It Possible to Make Savings in the Digitalization Process? Quantity or the Quality of the Employees?

Digital transformation of the banking system in the context of sustainable development

Economic Basis of Digital Banking Services Produced by FinTech Company in Smart City

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