Банківська екосистема: новий понятійний апарат банківської науки

Abstract

The essence and structure of the banking system of Ukraine were largely regulated by law in the 1990s. Many changes have taken place since then. Today there are questions about changing the conceptual tools of banking science in terms of new understanding and formation of the banking ecosystem. The article is devoted to the study of basic concepts of banking science. The aims of the study are to formulate a new concept of “banking ecosystem” from the standpoint of open systems theory, to improve infrastructural components of the banking system of Ukraine. The research methodology is based on the use of open systems theory, a dialectical approach, systematic and comparative analysis, generalization of concepts, theory of open systems in the natural sciences. The information base is the legislation and regulations regulating banking activities in Ukraine, scientific works of domestic and foreign scientists, Internet resources. Results. The analysis reveals that the legislative wording has shortcomings in the definition of responsible regulators on the part of the state. The author's vision of concept “banking ecosystem” from the standpoint of open economic environment, the formation of incoming and outgoing financial flows and relationships is proposed. The list of participants of the modern infrastructure of the banking system of Ukraine is formulated. It is argued that the banking system of Ukraine should be studied using chaos theory and open systems theory, when the impact of the cooperative effect of joint behaviour of players cannot be fully predicted and there exists a synergistic effect. The mathematical approach and criteria for the openness index of the banking system and for the synergistic effect of the interaction between participants in the banking system is offered.