Modern Banking and Digitalization: The Impact of Fintech on the Banking Market

本書提供了現代銀行業不斷演變的動態的全面概述，強調數位化和優化如何重塑操作框架，根本改變機構結構，並引入新的風險和機會。這些變革預計將對金融市場的競爭格局產生重大影響。通過探討塑造銀行業務和機構未來的主要趨勢和特徵，本書為銀行擁有者和創始人在制定運營戰略指導方針時提供了重要見解，同時也為銀行經理在當前業務活動中提供了參考。

Professor Vitaliy Shpachuk is a Visiting Professor in Newcastle University Business School, and a British Academy Research Fellow, and a member of the Researchers at Risk learning and development committee formed by the British Academy and CRAC-Vitae. Professor Shpachuk also serves as a Professor of Public Administration and Economics at V.I Vernadsky Tavrida National University (Ukraine), and a member of the Scientific Council of the International Center for Research on Safe Economic Development of the State University, Uzhhorod National University" (Ukraine), and an advisor of the President of the Association of Ukrainian Banks. Professor Shpachuk specialises in such areas as public administration, international economics and defense, finance, banking, crisis management. He held academic positions in Ukraine and prior to his academic career, he worked in banking (in management positions at the National Bank of Ukraine and commercial banks) and consulting. He holds a PhD degree in Public administration from National Academy of Public Administration under the President of Ukraine, a Doctor of science degree from Academy of Municipal Administration (Ukraine) and a Professor of Public Administration and Economics from V.I Vernadsky Tavrida National University (Ukraine).

Dr Vu Trinh is an Associate Professor in Finance (*Senior Lecturer) at Newcastle University Business School, Newcastle University (United Kingdom), and co-leads a research cluster on finance, governance, and sustainability. Dr Trinh also serves as a Deputy Director of the Finance and Banking Network within AVSE Global and has extensive editorial experience, serving on several editorial boards (e.g., Section/Associate/Guest Editor) and as a referee for numerous prestigious journals. Dr Trinh's research contributes to sustainable finance, banking, and governance, with several publications in top-tier journals (and reports, and authored/ edited books) such as the British Journal of Management, Annals of Tourism Research, Journal of Financial Stability, European Journal of Finance, Journal of International Financial Markets, Institutions and Money, International Review of Financial Analysis, International Journal of Finance and Economics, Accounting Forum, Energy Economics, Abacus, Review of Quantitative Finance and Accounting, and Business Strategy and the Environment. Dr Trinh's research findings have been presented at prestigious conferences, including the IFABS Oxford Conference, the British Accounting and Finance Association (BAFA), the Financial Management Association (FMA), and the European Accounting Association (EAA). Currently, Dr Trinh is collaborating with experts from the University of Oxford, University of Southampton, University of Huddersfield, etc., and industry partners to pursue large funding bids for interdisciplinary and multidisciplinary projects related to sustainability.

教授維塔利·什帕丘克（Professor Vitaliy Shpachuk）是紐卡斯爾大學商學院的訪問教授，並且是英國學院的研究員，還是由英國學院和CRAC-Vitae組成的「面臨風險的研究人員」學習與發展委員會的成員。什帕丘克教授同時擔任烏克蘭V.I.維爾納茲基塔夫里達國立大學的公共行政與經濟學教授，以及烏茲霍羅德國立大學國際安全經濟發展研究中心的科學委員會成員，並擔任烏克蘭銀行協會會長的顧問。什帕丘克教授專注於公共行政、國際經濟與防衛、金融、銀行及危機管理等領域。他曾在烏克蘭擔任學術職位，在學術生涯之前，他在銀行業（擔任烏克蘭國家銀行及商業銀行的管理職位）和顧問行業工作。他擁有烏克蘭總統公共行政國家學院的公共行政博士學位、烏克蘭市政管理學院的科學博士學位，以及烏克蘭V.I.維爾納茲基塔夫里達國立大學的公共行政與經濟學教授資格。

阮進博士（Dr Vu Trinh）是紐卡斯爾大學商學院的金融副教授（*高級講師），並共同領導一個關於金融、治理與可持續性的研究集群。阮博士同時擔任AVSE Global金融與銀行網絡的副主任，並擁有豐富的編輯經驗，曾在多個編輯委員會（例如，部分/副編輯/客座編輯）任職，並為多本知名期刊擔任審稿人。阮博士的研究貢獻於可持續金融、銀行與治理，並在多本頂尖期刊（以及報告、著作/編輯書籍）上發表多篇文章，如《英國管理期刊》、《旅遊研究年鑑》、《金融穩定期刊》、《歐洲金融期刊》、《國際金融市場、機構與貨幣期刊》、《國際金融分析評論》、《國際金融與經濟期刊》、《會計論壇》、《能源經濟學》、《Abacus》、《定量金融與會計評論》及《商業策略與環境》。阮博士的研究成果已在多個知名會議上發表，包括IFABS牛津會議、英國會計與金融協會（BAFA）、金融管理協會（FMA）及歐洲會計協會（EAA）。目前，阮博士正與牛津大學、南安普敦大學、哈德斯菲爾德大學等專家及產業夥伴合作，追求與可持續性相關的跨學科和多學科項目的大型資金申請。