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Item type:Наукова стаття, Personalization of Banking Products (Services) using Digitalization Technologies(2023) Holiachuk, NataliіaThe aim of the article was to build and test a potential assessment model using digitalization technologies for the personalization of banking products. The methods of graphic modeling, and expert survey were used in the research. The experience and specifics of using digital tools were analyzed, and the appropriateness of their application in bank practice was determined using the example of a Ukrainian bank. The potential of implementing specific technological solutions for the personalization of banking products (services) in the practice of the analyzed bank is determined. The Markowitz Model was applied for the allocation of the investment budget for the implementation of digital technologies with the purpose of improving the personalization of banking products (services). It was shown how the practical implementation of digital technologies and digitization tools will contribute to the growth of the competitiveness of this bank in the highly competitive market of banking products through the personalization of the client experience. Prospects for further research include the identification and structuring of digital tools that can be applied to specific expected personalized experiences.Item type:Наукова стаття, The impact of digital technologies on accounting transformation(2025) Holiachuk, NataliіaDigital technologies are significantly transforming accounting, changing the methods of collecting, processing, and analysing financial information on a global scale. The aim of the study is to assess the impact of digital technologies on accounting transformation in seven countries with different levels of digitalization. The research employed the following methods: quantitative approach, analysis of panel data for 2020-2024, and econometric modelling. The assessment was carried out using a fixed-effects model that takes into account institutional and technological factors of transformation. The results showed that the United Kingdom (UK) and Germany have the highest accounting transformation indicators: within 43.5-47.2 points and from 41.0 to 44.8 points, respectively. This is explained by a high level of digitalization (DigitalTechIndex over 80) and the full application of International Financial Reporting Standards (IFRS). At the same time, Ukraine, despite limited digital resources (Digital Technology Index within 36.2-49.7), demonstrates positive dynamics of transformation — from 28.0 to 33.2 points. This is determined by the implementation of IFRS and existing regulatory support. It was found that digital transformation significantly improves accounting practices in combination with the adoption of IFRS and the development of human capital. The results emphasize the need for strategic implementation of digital technologies in accounting, which has implications for politicians and financial institutions. The study can be useful for shaping digital development policies and modernizing financial reporting. Further studies should focus on industry analysis and studying the impact of artificial intelligence (AI) in accounting decisions.Item type:Наукова стаття, Optimizing Social Interaction through Digital Tools: Methodological Approaches and Practical Applications of Information Systems(2026) Visyn, Valentyn; Martyniuk, Yaroslava; Maiboroda, Oksana; Haponchuk, Olena; Silvestrova, Oksana; Sushyk, IrynaToday's digital technologies have changed the way people interact with each other, leading to big advances in mobile technology and trustworthy online databases. Bibliographic synthesis, statistical analysis, and structured organization and interpretation of the data that was collected were some of the methods used in the study. A database of social media platforms and official online resources was processed. The analysis was supplemented by research on the integration of modern psychosocial strategies into the formation of public discourse and initiatives to increase transparency. Special emphasis was placed on assessing the adaptive processes necessary for the use of information and communication tеchnologies in socio-economically disadvantaged regions. The results of the study showed that the prevailing methodological approaches are characterized by targeted communication strategies, effectively charged rhetoric, the influence of social validation, dynamic content presentation, and heterogeneous effectiveness of digital platform deployment. Combined with psychosocial and sociocultural principles, these approaches contribute to the emergence of adaptive social structures that develop in analytically sound ways. At the same time, excessive emphasis on cognitive and behavioral factors emphasizes the limitations of exclusively textual articulation of strategy - a phenomenon within the concept of "spelling postmodernism", which reflects potential vulnerabilities for the integrity of cybernetic systems. Research on contemporary communication processes has revealed a deficit of autonomy of operational mechanisms, which are contrasted with the background of developing institutional paradigms. We believe that these should be constantly improved and adapted to keep communication tactics and government programs more effective.Item type:Наукова стаття, Assessment of Socio-Economic Transformations in The Border Regions of Ukraine and Poland(2025) Гордійчук, Антоніна ІванівнаThe purpose of this article is to examine the socio-economic transformations of the border regions of Ukraine and Poland in the context of European integration processes, labor migration, and the impact of the war in Ukraine, as well as to assess the effectiveness of cross-border cooperation and the use of EU financial instruments for regional development. The study analyzes the characteristics of these transformations, shaped by the interplay of economic policy, European integration, and migration trends. It shows that these regions act as important hubs of economic and social interaction, reflecting differences in institutional capacity, labor markets, and investment potential. The research demonstrates that Poland’s EU membership has ensured access to substantial financial resources, which have positively influenced the development of its border voivodeships. In contrast, Ukrainian regions remain in a phase of economic convergence and have limited access to similar support mechanisms. Labor migration is identified as a major factor driving transformation, affecting demographics, employment, and social dynamics. The analysis confirms that Poland remains the primary destination for Ukrainian labor migration, generating both op-opportunities for economic growth and challenges related to workforce imbalances and adaptation in the labor market. Moreover, the war in Ukraine has intensified these processes, putting additional pressure on Poland’s social systems and labor market. The study emphasizes that cross-border cooperation is a key tool for the development of border regions; however, its implementation is uneven due to administrative barriers and differences in strategic priorities between the countries. Despite the expansion of Ukrainian regions’ participation in European programs, their ability to attract funding remains limited compared to their Polish counterparts. The research substantiates the need to develop effective regional development strategies aimed at reducing economic asymmetry and ensuring sustainable development within the framework of Ukraine’s European integration.Item type:Наукова стаття, Prevention of сriminal оffenses in the field of road safety(2025) Riabykh, Nataliia; Pyroha, Ihor; Panasiuk, Oleksandr; Pundor, Yulia; Shcherbatiuk, Iryna; Chechel , NataliiaThe article is devoted to a comprehensive study of the criminal law and criminological principles of ensuring road safety in the context of increasing transport mobility and the complexity of the road environment. It reveals the role of international and European standards, including EU approaches, WHO guidelines and the “Safe System” concept, in shaping an effective model of combating transport crime. It is shown that the effectiveness of criminal law measures depends on their integration with preventive, infrastructural and organizational mechanisms, as well as on the proper quality of evidence and coordination between competent authorities. Special attention is paid to criminological factors underlying road safety offenses, emphasizing risk-oriented behavior of young drivers, personal characteristics, fatigue, socio-economic conditions and infrastructure deficiencies. The conclusion highlights the need to harmonize national legislation with European approaches, enhance preventive policy, implement digital risk-monitoring technologies and strengthen interagency cooperation to improve the prevention of criminal offenses in the field of road traffic.Item type:Наукова стаття, Prevention of transport-related crimes through urban planning improvements(2026) Riabykh, NataliiaThe article investigates the relationship between urban planning features and the crime level in Ukraine's transport sector. The research results showed that despite the development of technical security means and strengthened law enforcement control, the effectiveness of crime prevention remains insufficient. In this regard, the necessity of a systematic approach is substantiated, which includes architectural and planning solutions as an integral element of a preventive strategy. Based on the analysis of international experience and adaptation of the "Crime Prevention Through Environmental Design"concept to Ukrainian realities, the authors reveal the potential of urban planning tools in forming a safe transport environment. It is important to note that special attention is paid to lighting transport hubs, organizing pedestrian flows, visual surveillance, and creating open spaces that promote natural supervision. The authors analyze the legislative support for integrating security principles into urban planning and identify gaps in the regulatory framework. Additionally, the paper presents the results of sociological research on the perception of transport infrastructure safety by different population groups, allowing for consideration of the needs of the most vulnerable categories of transport users. It was found that the authors proposed a model for assessing transport infrastructure's safety, including quantitative and qualitative indicators. Thus, using several Ukrainian cities as examples, the possibilities of applying the developed recommendations are demonstrated, and the potential socio-economic effect of their implementation is calculated. On the other hand, the article contains specific proposals for improving state building codes, mechanisms of public control, and stimulating private investment in secure infrastructure. At the same time, the research materials can be used in developing urban planning documentation, improving educational programs for training specialists in urban planning and transport planning, and forming strategies for the sustainable development of settlements in Ukraine. However, it should be taken into account that the effectiveness of the proposed measures depends on a comprehensive approach to their implementation.Item type:Наукова стаття, Using intelligent transport systems as a tool for preventing criminal offenses(2025) Riabykh, NataliiaThe article is devoted to a comprehensive study of the criminal law and criminological principles of ensuring road safety in the context of increasing transport mobility and the complexity of the road environment. It reveals the role of international and European standards, including EU approaches, WHO guidelines and the “Safe System” concept, in shaping an effective model of combating transport crime. It is shown that the effectiveness of criminal law measures depends on their integration with preventive, infrastructural and organizational mechanisms, as well as on the proper quality of evidence and coordination between competent authorities. Special attention is paid to criminological factors underlying road safety offenses, emphasizing risk-oriented behavior of young drivers, personal characteristics, fatigue, socio-economic conditions and infrastructure deficiencies. The conclusion highlights the need to harmonize national legislation with European approaches, enhance preventive policy, implement digital risk-monitoring technologies and strengthen interagency cooperation to improve the prevention of criminal offenses in the field of road traffic.Item type:Наукова стаття, Observance of human rights under the conditions of national law adaptation to the norms of the european union(2024) Riabykh, NataliiaAbstract: The article examines the issue of ensuring human rights when adapting the national legislation of Ukraine to the standards of the European Union. It was determined that the growing importance of international legal obligations encourages countries to adopt and implement EU norms, however, this process can generate conflicts with national legal systems, as well as human rights violations. The main aspects related to the observance of human rights in adapting national law to EU norms have been studied. Issues related to guarantees of freedom of thought, religion, human rights in the sphere of private life, and protection of personal data were analyzed. The need to regulate domestic procedures and control mechanisms to protect human rights has been identified. The necessity of maintaining a balance between the adaptation of national law to European standards and ensuring the protection of human rights on the basis of the development of monitoring mechanisms, the independence of the judicial system, and raising the legal awareness of society has been proven.Item type:Наукова стаття, Updating Mechanisms for Cooperation between the State and Business to Stimulate Economic Development(Ontario International Development Agency, Canada, 2026) Herasymenko, Olena; Smolych, Dariia; Bavyko, Oleksandr; Dmytrenko, Ihor; Martyniuk, OleksandrAbstract: Public-private partnership (hereinafter referred to as PPP) is one of the most promising tools for the development of the modern economy, which can attract private investment with high efficiency. Such a tool helps in the modernization of infrastructure and, if necessary, improve the quality of services. In addition, in the context of global economic competition, the use of PPP contributes to sustainable development. The purpose of the article is to study the evolution of public- private partnership as a means of ensuring economic growth. The article is also aimed at identifying the main obstacles and obstacles that prevent the successful implementation of PPP and formulating proposals for increasing the effectiveness of the partnership between the state and business. A set of theoretical methods was used, including synthesis, systematization and generalization. A comparative analysis of PPP practices in different countries was conducted. A systematic approach is used to assess the impact of PPPs on the economy. The current state of PPP development is determined and the main problems are identified – lack of transparent procedures and lack of state support. Successful cases demonstrating the positive impact of PPPs on investment and infrastructure development are analyzed. Recommendations for improving legislation and stimulating partnerships are developed. For the effective development of PPPs, it is necessary to introduce transparent project selection procedures that will increase trust and minimize corruption risks. It is important to expand financial incentives for the private sector, in particular through tax breaks and government guarantees. Strengthening the monitoring of project implementation will ensure their timely implementation and contribute to sustainable economic growth.Item type:Наукова стаття, B2B marketing strategies: value creation, key customer acquisition and preservation(2023-10-31) Lipych, Liubov; Hurina, Olena; Karpenko, Vitalii; Vdovichena, Olha; Herylo, Volodymyrn this work we have investigated B2B marketing strategies in Ukraine, particularly fo-cusing on the intricate relationships between value creation, key customer acquisition, and preservation strategies within this dynamic context.Principal Findings: Employing a multifaceted approach encompassing a comprehensive literature review, mathematical differential equations, and data simulations, our study uncovers pivotal insights. It underscores the crucial role of value creation and collabo-rative client engagement as cornerstones for gaining a competitive edge in Ukraine's B2B arena. Moreover, we emphasize the strategic importance of networking in the pur-suit of effective customer acquisition. Additionally, our work introduces optimal values for each policy, illuminating their potential efficacy across diverse scenarios.The study concludes that a harmonized approach that integrates value creation, cus-tomer acquisition, and preservation strategies can be a powerful driver of success in Ukraine's B2B market. Success in this dynamic landscape depends on adaptability, re-sponsiveness to market conditions, and resource constraints. These findings offer valu-able insights for businesses seeking a competitive edge in Ukraine's B2B sector and contribute to our understanding of B2B marketing dynamics in this context.
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