The transformation processes taking place in the global economy and the expansion of global business ties increase the overall vulnerability of the international banking system. One of the problems related to money laundering is the process of evaluating the efficiency of financial monitoring measures. The article discusses the issues of assessing the effectiveness of financial monitoring in the banking system of the country. For Ukraine, this problem is especially relevant, because there is a bank-centric model of the financial market (about 90% of assets go through the banking system) in the country. According to official data, 50% of economic activity in Ukraine ends with money laundering. The article presents the improved method that quantifies the level of financial monitoring system effectiveness at commercial banks of Ukraine based on calculations of the integral index. The index indicates the dynamics of the financial system protection degree from the money laundering threat based on the expediency and efficiency of financial monitoring in the banking system. As a result, more comprehensive conclusions about the level of financial security of the country are made. According to assessments, in 2017–2018 the efficiency of financial monitoring of the banking system of Ukraine was at the middle level (about 64%). The proposed method can be applied to evaluate the effectiveness of the financial monitoring system in any country and become the basis for improving the anti-money laundering system through the banking system. AcknowledgmentThe study was conducted as part of state budget research of Sumy State University – Formation of a Public Finance Transparency System as a Prerequisite for Combating Corruption in Ukraine (0118U003585) (in the context of evaluating the effectiveness of financial monitoring of the Ukrainian banking system) and Formation of Tools for the Ukrainian Economy Unshadowing Based on Causal Modeling of Interaction Trajectories of Financial Intermediaries (0120U100473) (in the context of substantiating the need and directions for improving the financial monitoring system in Ukrainian banks).

УДК 338:48 В. С. Білозубенко, д. е. н., доцент, завідувач кафедри міжнародних економічних відносин, регіональних студій та туризму, Університет митної справи та фінансів ОRCID ID: 0000 0003 1269 7207 М. Ю. Разінькова, к. е. н., доцент, доцент кафедри міжнародних економічних відносин, регіональних студій та туризму, Університет митної справи та фінансів ОRCID ID: 0000 0002 1590 7428 Н. О. Небаба, к. е. н., доцент, доцент кафедри міжнародних економічних відносин, регіональних студій та туризму, Університет митної справи та фінансів ОRCID ID: 0000 0003 1264 106X ЕКОНОМІКА ТУРИЗМУ

Одними з найважливіших відносин у світі можна вважати китайсько-американські, оскільки це відносини наддержави та потенційної УДК 339.56 М. Ю. Разінькова, к. е. н., доцент кафедри міжнародних економічних відносин, регіональних студій та туризму, Університет митної справи та фінансів М. Є. Трудова, к. е. н., доцент кафедри міжнародних економічних відносин, регіональних студій та туризму, Університет митної справи та фінансів Н. Д. Денисенко, студентка, Університет митної справи та фінансів

The article provides insights into information and communication technology (ICT) issues used in the tourism industry. It is argued that information and communication technologies is a driving force behind the tourism industry which contributes to boosting positive effects to a number of internal travel company activities and organizational factors like net cost, market and competition. ICT has become a key impetus to enhance competitiveness of travel companies as well as of tourist destinations, since a wide range of technological advancements has triggered this evolution. Actually, the overall rapid development of information and communication technologies and the Internet, in particular, has dramatically changed the tourism industry making the Internet an effective marketing tool for the entire travel services sector. This tool is of critical significance to both suppliers and consumers in disseminating information, communication and purchasing goods and services online. It has been verified that the major technologies and ICT applications used in tourism are websites; digital marketing; social networks; multimedia; mobile technologies and intelligent environments (IE). A well-designed website proved its effectiveness in promoting customer loyalty to the website and its products. ICTs are changing the way tourism products are sold and apart from that are a powerful tool for marketing research. In tourism, customer reviews and recommendations are of great importance to enhance the travel company attractiveness and promote travel destinations. Apparently, tourist information involves a wide range of graphics and image data representation to ensure positive customer perception to travellers who plan their trip. The evolution of mobile technology and infrastructure is becoming a common attribute of everyday life. In modern market segmentation realia, travel companies need to know how to adapt their market offer at a time of booking and adjust travel services to a great number of customers and market segments. The research results specify that building strong relationships with the external environment will promote better coordination between all the tourism industry stakeholders. The future of tourism is to be focused on customer-centric technologies that will facilitate a more dynamic process of communication between travel companies and their customers.

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