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Anna Rabdanova, 2017, master's thesis

Abstract: Competition is the main driver of the economy. This phenomenon has long been of interest to economists, which subsequently resulted in the creation of several approaches to the concept of competition. Economists developed various methods for assessing competition and the competitive position of the firm. The assessment of competition and competitive position allows the company to understand the situation on the market and develop a strategy in order to take a leading position. Information and communication technologies (ICT) are rapidly developing around the world. ICT penetrate into all spheres of human life, changing human behavior, in particular our behavior as a consumer. Consumers become more IT-armed; they are no longer satisfied with traditional approaches to customers. As a result, firms also need to change, introducing ICT into their business processes. The banking sector has its own characteristics that distinguish it from other sectors of the economy. Consequently, the banking competition also has its own characteristics. Banks actively use ICT, introducing them into their internal processes, as well as in the services they provide. There are two hypotheses in this Master’s Thesis. The purpose of H1 was to investigate how ICT impacts on competitive position of banks in Russia. H2 was that the most important ICT which impacts competitive position of banks in Russia are those which improve the quality of banking services. To prove these hypotheses the case study of PJSC Sberbank was used. The analysis of current state of competition in the Russian banking market also was conducted. In the case study the bank's history was reviewed, its financial and economic activities were analyzed, and Porter’s Five Forces Analysis was conducted. Both hypotheses were accepted.
Keywords: Competition, Competitive position, Banking, ICT, Russia
Published: 26.05.2017; Views: 455; Downloads: 18
.pdf Full text (611,10 KB)

User experience with security elements in internet and mobile banking
Aleksandra Svilar, Jože Zupančič, 2016, original scientific article

Abstract: Background/Purpose: Maintaining a balance between security and a positive user experience in mobile and Internet banking is becoming increasingly difficult for the providers of banking services. The goal of our research is to analyse user opinions about the current situation: how users perceive security and how the authentication methods they are using affect user experience. Methodology: Data were collected using an online survey among the users of 15 banks operating in Slovenia, and statistical methods were applied to analyse them. Results of the users’ study were evaluated and commented by a limited number of interviewed banking security experts. Results: The results indicate that the use of mobile banking in Slovenia is relatively low, as only 30 percent of respondents use mobile banking along with Internet banking. Slovenian users perceive security to be the most important factor in mobile and online banking, closely followed by reliability. We also verified whether the users knew which authentication methods they were using: 69% of respondents selected the correct authentication method. The opinion of 88% of respondents was that authentication methods do not limit them when using mobile and Internet banking. Results of the study of user’s opinions did not surprise the experts, although experts’ views about the balance between security and usability diverged considerably. Conclusion: Our results indicate that, in Slovenia, users of the Internet and mobile banking services regard security to be the most important element in mobile or Internet banking and find user experience less important while they absolutely do want products that are easy to use.
Keywords: internet banking, mobile banking, security, user experience
Published: 04.04.2017; Views: 612; Downloads: 140
.pdf Full text (637,90 KB)
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Assessment of the state of competition in the banking market in the Russian Federation
Anna Rabdanova, Vera Bulatova, 2016, original scientific article

Abstract: Competition is one of the factors directly influencing the development of the banking market, the stability of the banking system, and the monetary system as a whole. This article describes the features of banking competition, methods of analysis of banking competition, and an analysis of the current state of competition in the banking market in the Russian Federation. The analysis of banking competition in the Russian Federation was performed using the concentration ratio for the top three companies and the Herfindahl-Hirschman Index. The research concludes with an assessment of the state of competition in the banking market and identification of the barriers to entering the financial services market.
Keywords: Commercial bank, bank competition, banking market, market concentration
Published: 03.11.2017; Views: 375; Downloads: 144
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