{"id":"https://openalex.org/W4388569490","doi":"https://doi.org/10.37394/23207.2023.20.216","title":"Personalization of Banking Products (Services) using Digitalization Technologies","display_name":"Personalization of Banking Products (Services) using Digitalization Technologies","publication_year":2023,"publication_date":"2023-11-10","ids":{"openalex":"https://openalex.org/W4388569490","doi":"https://doi.org/10.37394/23207.2023.20.216"},"language":"en","primary_location":{"id":"doi:10.37394/23207.2023.20.216","doi":"https://doi.org/10.37394/23207.2023.20.216","is_oa":true,"landing_page_url":"https://doi.org/10.37394/23207.2023.20.216","pdf_url":"https://doi.org/10.37394/23207.2023.20.216","source":{"id":"https://openalex.org/S4306534980","display_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","issn_l":"1109-9526","issn":["1109-9526","2224-2899"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific","poland-70","russia-white-list-2"],"host_organization":"https://openalex.org/P4310320666","host_organization_name":"World Scientific and Engineering Academy and Society","host_organization_lineage":["https://openalex.org/P4310320666"],"host_organization_lineage_names":["World Scientific and Engineering Academy and Society"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.37394/23207.2023.20.216","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5021038621","display_name":"Vitalii V. Rysin","orcid":"https://orcid.org/0000-0002-2883-4563","observed_orcids":["https://orcid.org/0000-0002-2883-4563"]},"institutions":[{"id":"https://openalex.org/I98435010","display_name":"Lviv Polytechnic National University","ror":"https://ror.org/0542q3127","country_code":"UA","type":"education","lineage":["https://openalex.org/I98435010"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Vitalii Rysin","raw_affiliation_strings":["Department of Finance, Lviv Polytechnic National University, 12 Stepan Bandera Street, 79000, Lviv, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Finance, Lviv Polytechnic National University, 12 Stepan Bandera Street, 79000, Lviv, UKRAINE","institution_ids":["https://openalex.org/I98435010"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5029936517","display_name":"Olha V. Prokopenko","orcid":"https://orcid.org/0000-0003-1362-478X","observed_orcids":["https://orcid.org/0000-0003-1362-478X","https://orcid.org/0000-0003-2519-668X"]},"institutions":[{"id":"https://openalex.org/I4210111657","display_name":"Sumy State Pedagogical University named after A. S. Makarenko","ror":"https://ror.org/020kwj692","country_code":"UA","type":"education","lineage":["https://openalex.org/I4210111657"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Olha Prokopenko","raw_affiliation_strings":["Department of Business Economics and Administration, Sumy State Makarenko Pedagogical University, 87 Romenska Street, 40000, Sumy, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Business Economics and Administration, Sumy State Makarenko Pedagogical University, 87 Romenska Street, 40000, Sumy, UKRAINE","institution_ids":["https://openalex.org/I4210111657"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5053012726","display_name":"Oleksii Muravskyi","orcid":"https://orcid.org/0000-0002-7117-7335","observed_orcids":["https://orcid.org/0000-0002-7117-7335"]},"institutions":[{"id":"https://openalex.org/I208086522","display_name":"National University of Life and Environmental Sciences of Ukraine","ror":"https://ror.org/0441cbj57","country_code":"UA","type":"education","lineage":["https://openalex.org/I208086522"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Oleksii Muravskyi","raw_affiliation_strings":["Department of Banking and Insurance, National University of Life and Environmental Sciences of Ukraine, 15 Heroes` Defense Street, 03041, Kyiv, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Banking and Insurance, National University of Life and Environmental Sciences of Ukraine, 15 Heroes` Defense Street, 03041, Kyiv, UKRAINE","institution_ids":["https://openalex.org/I208086522"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5047305341","display_name":"\u0420.\u041e. \u041f\u0435\u0447\u0435\u043d\u043a\u043e","orcid":"https://orcid.org/0000-0002-5391-4194","observed_orcids":["https://orcid.org/0000-0002-5391-4194"]},"institutions":[{"id":"https://openalex.org/I98435010","display_name":"Lviv Polytechnic National University","ror":"https://ror.org/0542q3127","country_code":"UA","type":"education","lineage":["https://openalex.org/I98435010"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Ruslan Pechenko","raw_affiliation_strings":["Department of Finance, Lviv Polytechnic National University, 12 Stepan Bandera Street, 79000, Lviv, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Finance, Lviv Polytechnic National University, 12 Stepan Bandera Street, 79000, Lviv, UKRAINE","institution_ids":["https://openalex.org/I98435010"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5107995167","display_name":"Natali\u0456a Holiachuk","orcid":"https://orcid.org/0000-0001-9317-6176","observed_orcids":["https://orcid.org/0000-0001-9317-6176"]},"institutions":[{"id":"https://openalex.org/I151029833","display_name":"Lutsk National Technical University","ror":"https://ror.org/02vn54r74","country_code":"UA","type":"education","lineage":["https://openalex.org/I151029833"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Natali\u0456a Holiachuk","raw_affiliation_strings":["Department of Accounting and Auditing, Lutsk National Technical University, 75 Lvivska Street, 43000, Lutsk, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Accounting and Auditing, Lutsk National Technical University, 75 Lvivska Street, 43000, Lutsk, UKRAINE","institution_ids":["https://openalex.org/I151029833"]}]},{"author_position":"last","author":{"id":null,"display_name":"Andrii Zinchenko","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I13779751","display_name":"Admiral Makarov National University of Shipbuilding","ror":"https://ror.org/04ymc1w90","country_code":"UA","type":"education","lineage":["https://openalex.org/I13779751"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"Andrii Zinchenko","raw_affiliation_strings":["Department of Finance, Admiral Makarov National University of Shipbuilding, 9 Stalingrad Street, 54000, Mykolaiv, UKRAINE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Finance, Admiral Makarov National University of Shipbuilding, 9 Stalingrad Street, 54000, Mykolaiv, UKRAINE","institution_ids":["https://openalex.org/I13779751"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":5,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":6.3408,"has_fulltext":true,"cited_by_count":16,"citation_normalized_percentile":{"value":0.96572138,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":97,"max":99},"biblio":{"volume":"20","issue":null,"first_page":"2528","last_page":"2539"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14419","display_name":"Banking Systems and Strategies","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digitalization-technologies","display_name":"digitalization technologies","score":0.8880000114440918},{"id":"https://openalex.org/keywords/markowitz-portfolio-model","display_name":"Markowitz portfolio model","score":0.6850000023841858},{"id":"https://openalex.org/keywords/bank-competitiveness","display_name":"bank competitiveness","score":0.8629999756813049},{"id":"https://openalex.org/keywords/customer-experience","display_name":"customer experience","score":0.9070000052452087}],"concepts":[{"id":"https://openalex.org/C183003079","wikidata":"https://www.wikidata.org/wiki/Q1000371","display_name":"Personalization","level":2,"score":0.8548624515533447},{"id":"https://openalex.org/C2779308522","wikidata":"https://www.wikidata.org/wiki/Q843958","display_name":"Digitization","level":2,"score":0.7055952548980713},{"id":"https://openalex.org/C116834253","wikidata":"https://www.wikidata.org/wiki/Q2039217","display_name":"Identification (biology)","level":2,"score":0.5690186023712158},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5064264535903931},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5010550022125244},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.4968462288379669},{"id":"https://openalex.org/C2775945657","wikidata":"https://www.wikidata.org/wiki/Q381442","display_name":"Structuring","level":2,"score":0.49355757236480713},{"id":"https://openalex.org/C207267971","wikidata":"https://www.wikidata.org/wiki/Q120208","display_name":"Emerging technologies","level":2,"score":0.48336881399154663},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.3575802445411682},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.3573412597179413},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2951299250125885},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.20823350548744202},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.10940191149711609},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C59822182","wikidata":"https://www.wikidata.org/wiki/Q441","display_name":"Botany","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.37394/23207.2023.20.216","doi":"https://doi.org/10.37394/23207.2023.20.216","is_oa":true,"landing_page_url":"https://doi.org/10.37394/23207.2023.20.216","pdf_url":"https://doi.org/10.37394/23207.2023.20.216","source":{"id":"https://openalex.org/S4306534980","display_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","issn_l":"1109-9526","issn":["1109-9526","2224-2899"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific","poland-70","russia-white-list-2"],"host_organization":"https://openalex.org/P4310320666","host_organization_name":"World Scientific and Engineering Academy and Society","host_organization_lineage":["https://openalex.org/P4310320666"],"host_organization_lineage_names":["World Scientific and Engineering Academy and Society"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","raw_type":"journal-article"},{"id":"pmh:oai:repository.lntu.edu.ua:123456789/5193","doi":null,"is_oa":true,"landing_page_url":"https://repository.lntu.edu.ua/handle/123456789/5193","pdf_url":"https://wseas.com/journals/bae/2023/e405107-2392.pdf","source":{"id":"https://openalex.org/S7407055220","display_name":"Institutional repository of Lutsk National Technical University of Lutsk","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Article"}],"best_oa_location":{"id":"doi:10.37394/23207.2023.20.216","doi":"https://doi.org/10.37394/23207.2023.20.216","is_oa":true,"landing_page_url":"https://doi.org/10.37394/23207.2023.20.216","pdf_url":"https://doi.org/10.37394/23207.2023.20.216","source":{"id":"https://openalex.org/S4306534980","display_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","issn_l":"1109-9526","issn":["1109-9526","2224-2899"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific","poland-70","russia-white-list-2"],"host_organization":"https://openalex.org/P4310320666","host_organization_name":"World Scientific and Engineering Academy and Society","host_organization_lineage":["https://openalex.org/P4310320666"],"host_organization_lineage_names":["World Scientific and Engineering Academy and Society"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS","raw_type":"journal-article"},"sustainable_development_goals":[],"sustainable_development_goals_aurora":[{"score":0.4000000059604645,"display_name":"Partnerships for the goals","id":"https://metadata.un.org/sdg/17"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4388569490.pdf","grobid_xml":"https://content.openalex.org/works/W4388569490.grobid-xml"},"referenced_works_count":25,"referenced_works":["https://openalex.org/W2042456949","https://openalex.org/W2782749097","https://openalex.org/W2785727583","https://openalex.org/W2885697727","https://openalex.org/W2899243460","https://openalex.org/W2919559878","https://openalex.org/W2976039019","https://openalex.org/W2980102170","https://openalex.org/W2986610118","https://openalex.org/W2990206735","https://openalex.org/W3001016458","https://openalex.org/W3004072425","https://openalex.org/W3004103523","https://openalex.org/W3030732454","https://openalex.org/W3033592480","https://openalex.org/W3079482359","https://openalex.org/W3096139360","https://openalex.org/W3134557243","https://openalex.org/W3164892971","https://openalex.org/W3172489454","https://openalex.org/W4207022679","https://openalex.org/W4233076354","https://openalex.org/W4245973081","https://openalex.org/W4251617644","https://openalex.org/W4313065310"],"related_works":["https://openalex.org/W4412750229","https://openalex.org/W3108734427","https://openalex.org/W4321849749","https://openalex.org/W4361806911","https://openalex.org/W7111508193","https://openalex.org/W4406321601","https://openalex.org/W3016260469","https://openalex.org/W7129658560","https://openalex.org/W3133687681","https://openalex.org/W4413859442"],"abstract_inverted_index":{"The":[0,23,36,64,87],"aim":[1],"of":[2,20,25,40,49,60,66,74,81,95,102,108,112,123,134,137,145,151,164],"the":[3,18,34,47,58,72,79,82,93,96,100,106,110,120,132,135,141,149,152,160],"article":[4],"was":[5,55,90,117],"to":[6,131,171],"build":[7],"and":[8,28,38,46,126,162],"test":[9],"a":[10,61],"potential":[11,65],"assessment":[12],"model":[13],"using":[14,41,57],"digitalization":[15],"technologies":[16,104,125],"for":[17,71,92,99,156],"personalization":[19,73,111,150],"banking":[21,75,113,146],"products.":[22],"methods":[24],"graphic":[26],"modeling,":[27],"expert":[29],"survey":[30],"were":[31,44],"used":[32],"in":[33,52,78,140],"research.":[35],"experience":[37],"specifics":[39],"digital":[42,103,124,165],"tools":[43,128,166],"analyzed,":[45],"appropriateness":[48],"their":[50],"application":[51],"bank":[53,84,139],"practice":[54,80],"determined":[56],"example":[59],"Ukrainian":[62],"bank.":[63],"implementing":[67],"specific":[68,172],"technological":[69],"solutions":[70],"products":[76,114,147],"(services)":[77],"analyzed":[83],"is":[85],"determined.":[86],"Markowitz":[88],"Model":[89],"applied":[91,170],"allocation":[94],"investment":[97],"budget":[98],"implementation":[101,122],"with":[105],"purpose":[107],"improving":[109],"(services).":[115],"It":[116],"shown":[118],"how":[119],"practical":[121],"digitization":[127],"will":[129],"contribute":[130],"growth":[133],"competitiveness":[136],"this":[138],"highly":[142],"competitive":[143],"market":[144],"through":[148],"client":[153],"experience.":[154],"Prospects":[155],"further":[157],"research":[158],"include":[159],"identification":[161],"structuring":[163],"that":[167],"can":[168],"be":[169],"expected":[173],"personalized":[174],"experiences.":[175]},"counts_by_year":[{"year":2026,"cited_by_count":8},{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":4}],"updated_date":"2026-10-20T09:52:01.089006","created_date":"2023-11-11T00:00:00"}
