Proposing a Novel System for Measuring the Effectiveness of Validating Customers of the Banking System based on the System Dynamics

Abstract

This study aims to develop a system for measuring the effectiveness of customer validation in the banking sector using a system dynamics approach. The proposed model illustrates how dynamic systems can optimize and stabilize financial unit operations by considering the interplay of various factors affecting credit risk. Simulation results over a two-year period demonstrate the significant impact of external pressures like sanctions and environmental conditions on the system. By implementing strategic policies and leveraging knowledge management, the study shows how banks can reduce default probabilities, enhance capital returns, and improve overall system quality. The research underscores the importance of preventive measures and efficient resource management in maintaining robust financial processes. Future recommendations include involving more experts, utilizing extensive quantitative data, and incorporating additional sub-parameters for more accurate predictions. DOI: https://doi.org/10.52783/pst.559