Факультет бізнесу та права
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Item type:Матеріали конференцій, Greenwashing as a Challenge to Sustainable Development: Impact on Business Competitiveness(Вінниця : ВНТУ, 2025) Kuzmаk, Oleh; Kuzmak, OlenaThe article explores the phenomenon of greenwashing as a threat to sustainable development and business competitiveness. It analyzes the main causes, consequences, and modern approaches to preventing ecological manipulation. Special attention is given to innovative technologies' role in ensuring environmental initiatives' transparency.Item type:Наукова стаття, Financial compliance as a driver of customer loyalty and sustainable development in the digital economy(Острог : НаУОА, 2025-09) Kuzmak, Olena; Kuzmаk, OlehIn the digital economy, financial compliance is transforming from a formal regulatory instrument into a strategic resource that fosters customer loyalty and sustainable development. The relevance of this study is driven by the strengthening of international standards (GDPR, AML, ESG), the growing role of FinTech and RegTech, and the increasing need for companies to enhance transparency and customer trust. The purpose of the article is to analyze financial compliance as a driver of customer loyalty and sustainable development in the context of digitalization. The objectives include examining the role of RegTech solutions, the integration of ESG principles, and their impact on corporate reputation and competitiveness. The research is based on the analysis of academic literature, empirical data, consulting reports (KPMG, The Business Research Company), and case studies of international and Ukrainian financial institutions (N26, PrivatBank, ING). A systemic approach is applied to assess the interrelation between compliance, technologies, and customer experience. Financial compliance, supported by RegTech technologies (AI, blockchain), reduces data processing time by 40-50% and increases customer loyalty by 60% through the optimization of KYC/AML procedures. The integration of ESG principles contributes to a 20% reduction in customer complaints and growth in NPS (e.g., ING: +4-10 points). Practical cases confirm that compliance strengthens corporate reputation and competitiveness. Financial compliance in the digital economy is not only a tool for regulatory conformity but also a strategic resource that builds trust, transparency, and business sustainability. It is recommended to integrate compliance into marketing strategies to strengthen competitive positioning. Future research prospects include the development of methodologies for assessing the impact of compliance on customer loyalty and the analysis of industry-specific differences in its implementation.Item type:Монографія, Digital Transformation to the Efficiency and Sustainability of Cities(Springer, Cham, 2025-02-25) Kuzmаk, Oleh; Kuzmak, Olena; Stepura, Tetiana; Lorvi, IrynaThe article discusses the importance of digital transformation in achieving increased efficiency and sustainability of cities in the modern world. The main objective of the work is to explore the potential of digital transformation, assess the institutional prerequisites for its development, the concept of smart cities, trends, challenges, and vectors of digital transformation development, and its impact on enhancing the efficiency and sustainability of cities. The relevance of addressing the stated problem lies in the fact that urban population growth, changes in the economy, technological progress, and environmental issues pose complex challenges for cities, and digital technologies can provide solutions for managing transportation, energy supply, waste management, and improving access to information and services for residents. This publication highlights key aspects of transformative changes and digital integration processes, the role of information and communication technologies in public life. An attempt has been made to provide a systematic exposition of the main advantages of using information and communication technologies as a tool for shaping a smart society, implementing the concept of a smart city, and democratic state development. It is found that the main challenges on the path of digital transformation include the lack of a unified approach at the state and local levels, unsatisfactory development of digital infrastructure, inadequate level of automation and digitization of government services, lack of digital literacy among the population and local government officials, and the presence of digital «Inequality» among the population. The research concludes that the use of advanced digital technologies can be a key tool in achieving the strategic development goals of cities, particularly in the context of Sustainable Development Goals.