Kseniia Vzhytynska

The COVID-19 pandemic has complicated the operating environment for banks around the world. Determining the drivers of digitalization of banking services based on the principles of corporate social responsibility of banks makes it possible to find a way out of the crisis. The objective of the study is to develop a model for clustering banks in terms of the level of digitalization on the principles of corporate social responsibility.
In this study, a twofold model has been proposed: the first part includes the calculation of the level of digitalization of banking, and the second part includes mathematical simulation of the clustering of bank digitalization level. This study reveals new possible solutions to the digitalization of banking in the face of new threats. In particular, factor analysis identifies the main factors, cluster analysis ranks banks into three categories (A, B, C) of service digitalization, and a dendrogram identifies digitalization drivers. The model was tested on 22 banks. Eight per cent of the banks are rated A “Very good” and B “Good”. 92% have Level C “Satisfactory”. The results of the study prove that the model should be validated. It should be confirmed that the application of the developed methodology for increasing the digitalization of banking services will increase customer loyalty by 15%, improve sustainability by reducing risk by 10%, and make banks attractive for investment by 15-20%.

The study aims to examine the impact of international trade on the sustainability of regional ecosystems in Ukraine, particularly amid the ongoing Russia-Ukraine war. The paper applies econometric modeling, factor analysis, cluster analysis, and geographic information systems (GIS) for spatial analysis. Sustainability indicators include environmental resilience indicators (carbon emissions, water quality), economic stability metrics (GDP per capita, investment in green technologies), and social sustainability factors (employment rate, access to education and healthcare). Results indicate that a 1% increase in exports enhances sustainability indicators by 0.9%, while a 1% rise in imports or demographic density reduces these indices by 0.94% and 0.75%, respectively. Cluster analysis identifies five groups of regions with varying ecological resilience, revealing critical vulnerabilities in southern and eastern Ukraine where resilience indices are below 0.5. War actions exacerbate these issues, causing infrastructure destruction, soil and water degradation, and pollutant emissions ranging from 152.5 to 16,311.4 thousand tons. Recommendations include scaling up environmental protection investments by 20% (from the current 5,965–165,228 thousand UAH) and integrating sustainability standards into international trade policies to harmonize economic activities with environmental management in crisis and post-war recovery contexts.