METHODOLOGY FOR ASSESSING COMPETITION IN REGIONAL BANKING SERVICES MARKETS

Author(s): Gorbova O.Y.

Rubric: Economy

DOI: 10.21777/2587-554X-2026-1-25-31

Release: 2026-1 (56)

Pages: 25-31

Keywords: banking sector, financial sector, competition in the banking services market, competition monitoring, consumer satisfaction, competition assessment methodology, competition development plan

Annotation: The article discusses the methodological basis for assessing the level of competition in the banking services market. Along with a variety of coefficients and indices, most of the methods used often do not take into account subjective factors, such as public satisfaction with the banking sector. The article proposes an original methodol- ogy that combines objective (quantitative) market indicators with subjective assessments of public satisfaction. The assessment of all factors in points allows us to form a combined assessment of competition in the regional market and determine the market category based on the level of competition development. The methodology has been tested in several regions, resulting in a clear and interpretable assessment. Of the seven regions, four were in the zone of underdeveloped competition, one was in the zone of insufficiently developed competition, and two were on the border between insufficiently developed and developed competition The results obtained can serve as a basis for developing a set of measures to promote competition in the banking services market in the relevant market category or for adjusting it in the roadmap.

Bibliography: Gorbova O.Y. METHODOLOGY FOR ASSESSING COMPETITION IN REGIONAL BANKING SERVICES MARKETS // Economics and Management. – 2026. – № 1 (56). – С. 25-31. doi: 10.21777/2587-554X-2026-1-25-31