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dc.creatorZabala Aguayo, Franciscoes
dc.creatorŚlusarczyk , Beataes
dc.date.accessioned2020-06-16T10:28:18Z
dc.date.available2020-06-16T10:28:18Z
dc.date.issued2020
dc.identifier.citationZabala Aguayo, F. y Ślusarczyk , B. (2020). Risks of Banking Services’ Digitalization: The Practice of Diversification and Sustainable Development Goals. Sustainability, 12 (10), 4040-.
dc.identifier.issn2071-1050es
dc.identifier.urihttps://hdl.handle.net/11441/97887
dc.description.abstractThe study aims to investigate threats that might occur in diversification management, operational risks of banking services in the process of digitalization, as well as the impact on customers and banks. The right choice of a risk management model for a bank plays an important role in the sustainable development of competitiveness and the transformation of banking activities in the future. This work assesses bank risks and determines information risks in relation to the total capital of Santander Bank of Spain. The authors adapted an operational risk management (ORM) model to minimize the risks of the bank’s digitalization and upcoming operational risks. The ratio of the total operational risk to the total bank’s capital was 0.65%, which is below the permissible minimum value and is acceptable. Based on this indicator, diversification of business risks can be applied. As a result of the study, the total value of operational risks was calculated and the acceptability of this indicator to the capital of Santander Bank was assessed, which allowed the authors to assess whether the value was critical. In addition, it was also revealed that the main external risk of Santander Bank in 2018 was fraud in the use of online payments. The results might help to more effectively evaluate insurance payments for identified operational risks and effectively make decisions and optimize reporting documents of banks.es
dc.formatapplication/pdfes
dc.format.extent10es
dc.language.isoenges
dc.publisherMDPIes
dc.relation.ispartofSustainability, 12 (10), 4040-.
dc.rightsAttribution-NonCommercial-NoDerivatives 4.0 Internacional*
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/4.0/*
dc.subjectSustainable developmentes
dc.subjectGlobal banking ecosystemes
dc.subjectSustainable financinges
dc.subjectCyberattackses
dc.subjectDigitalizationes
dc.subjectDiversification riskes
dc.subjectOperational riskes
dc.titleRisks of Banking Services’ Digitalization: The Practice of Diversification and Sustainable Development Goalses
dc.typeinfo:eu-repo/semantics/articlees
dc.type.versioninfo:eu-repo/semantics/publishedVersiones
dc.rights.accessrightsinfo:eu-repo/semantics/openAccesses
dc.contributor.affiliationUniversidad de Sevilla. Departamento de Análisis Económico y Economía Políticaes
dc.relation.publisherversionhttps://www.mdpi.com/2071-1050/12/10/4040es
dc.identifier.doi10.3390/su12104040es
dc.journaltitleSustainabilityes
dc.publication.volumen12es
dc.publication.issue10es
dc.publication.initialPage4040es

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