No abstract

The paper substantiates the need to consider economic efficiency indicators of bank activity as fuzzy quantities. Formulations of the problem of fuzzy regression analysis and modelling, available in literary sources, have been analyzed. Three main approaches to the fuzzy regression analysis are presented. The general mathematical and meaningful formulation of problem of a fuzzy multivariate regression analysis for commercial bank competitiveness has been proposed. Sequence of its solutions is described. The example of numerical computations for one of the large Ukrainian banks is given. Results of obtained solution were analyzed from the standpoint of reliability, accuracy and compared against the classical crisp regression analysis. Finishing steps for obtaining final accurate numerical results of solution process are described. In summary, convincing arguments concerning the expediency of application of this approach to the problem of determining the competitiveness of banks are formulated and presented.

The article is devoted to developing a definition of the indicator of the bank’s competitiveness which based on the theory of fuzzy sets and neural networks techniques. Uncertainties that have a place when considering and analyzing the components of evaluating the success and effectiveness of the bank have been considered and analyzed. The sequence of construction and structure for generalizing parameter of bank competitiveness are presented and grounded. Stages of obtaining an integrated assessment of bank competitiveness by sequential application of fuzzy logic and neural networks approaches are determined and described. Corresponding fuzzy terms, membership functions and fuzzy inference rules are described. Overall sequence and steps to resolve the problem are processed. The practical implementation of the summary fuzzy inference of the bank’s competitiveness is given. In particular, numerical calculations on the proposed model for Ukrainian commercial bank “Khreshchatyk” was carried out. Comparison of obtained evaluation results for the competitiveness of specified bank with available data and other scientific information sources showed their compliance with factual situation. In this way, the expediency of application fuzzy modeling has been confirmed to determine the generalized indicators of bank competitiveness. Adequacy and accuracy of the proposed model and the results of calculations were proved. The proposed approach is quite general. This or similar model can be successfully used in other tasks of building and generalized evaluation of integrated indicators for the presence of several local, individual parameters for different economic processes and tasks.

The object of the research in this article is the development of approaches, tools and instruments for computer modeling to predict the behavior of consumers (potential buyers and users) in the process of their implementation of consumer choice of technically complex household goods under circumstances of broad supply in the retail market. Accordingly, the subject of this study was to consider the problem of multi-criteria choice of domestic appliances available on the Ukrainian home appliances market for monitoring and maintaining indoor air condition. The formulation and realization of relevant tasks with the subsequent development of applied program models were among the main goals of this work. As main methods we consistently used expert surveys of potential consumers, collection, processing, systematization and analysis of information about the models of ionizers of air on the domestic market. Approaches to multi-criteria modeling of the process of consumer choice on a set of alternatives and their computer implementation in a specialized software product have also been taken into consideration. Computer simulation has confirmed the hypothesis that the approaches proposed makes it possible to obtain mathematically grounded generalized comparative estimates of the household appliances considered. This, in turn, allows consumers to make their choice more consciously, while manufacturers and sellers of such equipment are enabled to make a multi-criteria comparison between the products produced and sold by them.

At the beginning, the article briefly describes the features of the marketing complex household goods. Also provides an overview of some aspects of the market for indoor air purifiers. The specific subject of the study was the process of consumer choice of household appliances for cleaning air in living quarters. The aim of the study was to substantiate and develop a computer model for evaluating by the potential buyers devices for air purification in conditions of vagueness and ambiguity of their consumer preferences. Accordingly, the main consumer criteria are identified, substantiated and described when buyers choose air purifiers. As methods of research, approaches based on fuzzy logic, fuzzy sets theory and fuzzy modeling were chosen. It was hypothesized that the fuzzy-multiple model allows rather accurately reflect consumer preferences and potential consumer choice in conditions of insufficient and undetermined information. Further, a computer model for estimating the consumer qualities of air cleaners by customers is developed. A proposed approach based on the application of fuzzy logic theory and practical modeling in the specialized computer software MATLAB. In this model, the necessary membership functions and their terms are constructed, as well as a set of rules for fuzzy inference to make decisions on the estimation of a specific air purifier. A numerical example of a comparative evaluation of air cleaners presented on the Ukrainian market is made and is given. Numerical simulation results confirmed the applicability of the proposed approach and the correctness of the hypothesis advanced about the possibility of modeling consumer behavior using fuzzy logic. The analysis of the obtained results is carried out and the prospects of application, development, and improvement of the developed model and the proposed approach are determined.