Бидний тухай
Багш ажилтан
Artificial intelligence has had a significant impact on banking services in the era of rapid technological changes. In this study, we aimed to determine if the selected banks offer their customers AI products by consulting with relevant officials. Additionally, we assessed the consumers' attitudes toward adopting AI in banking services. We provided a survey to examine the perception of the customers of the selected banks. We involved 508 users who took part in the survey, and 487 valid responses for further analysis. A recent study among local banks has shown that the selected banks in our study are using various artificial intelligence products these days. The remaining banks also expressed their willingness to introduce AI supported products and businesses to their customers. According to our research, policymakers should focus on strengthening the perceived usefulness, perceived trust, and attitude toward AI in banking to increase the adoption of AI-enabled banking services. It will improve the customer service among the banks and improve users' confidence in accepting such services.
Хураангуй: Кредит скорингийн шинжилгээ нь санхүүгийн үйлчилгээ үзүүлэгч байгууллагууд зээлдэгчдэд эрсдэлгүй буюу хамгийн бага эрсдэлтэй зээл олгоход тусалдаг. Сүүлийн үеийн судалгааны ажлуудын үр дүнгээс харахад машин сургалтын аргууд түүн дотроо холимог сургалтын /ensemble learning/ аргаар боловсруулсан загварууд энэ салбарт тэргүүлэх байр суурь эзэлж байна. Бид энэхүү судалгааны ажлаараа А банк бус санхүүгийн байгууллагын 1650 зээлдэгчийн өгөгдлийг ашиглан холимог сургалтын хоёр /XGBoost, Catboost/ алгоритмаар кредит скорингийн загвар боловсруулж, харьцуулах оролдлого хийсэн. Судалгааны ажлын үр дүнгээс харахад XGBoost алгоритм ашиглан боловсруулсан загварын үр дүн алдааны матриц (confusion matrix), нарийвчлал (accuracy), percision, recall, f1-score, ROC муруй зэрэг үзүүлэлтүүд хүлээн зөвшөөрөгдөхүйц гарсан.
Хураангуй Дэлхийн олон оронд их дээд сургууль, коллеж, ерөнхий боловсролын сургууль (ЕБС), цэцэрлэгийн үйл ажиллагаа Ковид-19 (COVID-19) халдварт өвчний улмаас хаагдаж, сургалтын бүхий л үйл ажиллагаа цахим хэлбэрээр зохион байгуулагдсан ба одоо ч гэсэн зарим ЕБС болон их сургууль цахим болон танхимын сургалтыг хослуулан хичээллэж байна. Энэ судалгааны ажлаараа цар тахлын нөхцөл байдлын үе дэх цахимаар сурч буй суралцагчдад тулгамдаж буй асуудлуудыг илрүүлэн гаргаж ирэх зорилгоор нийт ЕБС болон ИДС-ийн 1194 оюутан, сурагчдаас судалгаа авч боловсрууллаа. Судалгаагаар оюутнуудад интернэт, компьютер тоног төхөөрөмжийн хүрэлцээгүй байдал болон багш суралцагчдын эргэх холбоо муу, ном сурах бичиг хангалтгүй зэрэг бэрхшээлүүд тулгарч байсан бол суралцагчдад бие даан суралцах чадвар нэмэгдсэн, ойлгоогүй хичээлийнхээ видео хичээлийг нөхөж үзэх, цаг хугацаа болон амьжиргааны зардлаа хэмнэж чадсан зэрэг олон давуу талууд үүссэн байна. Мөн цахимаар суралцаж байх явцад ямар сургалтын платформ программууд үр дүнтэй байсан талаар судаллаа. Улаанбаатар хоттой харьцуулбал хөдөө орон нутгаас цахим болон теле хичээлээ судалсан оюутан сурагчдад интернэт, тоног төхөөрөмж ялгаатай хомс байсан зэрэг үр дүн харагдаж байна. Түлхүүр үг Хөл хорио, Ковид-19, цахим сургалт, платформ, давуу тал, бэрхшээл.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
Adoption of Artificial intelligence in banking sector: Evidence from Mongolia Oyundari.B, Finance department, Business School, NUM Chimedtsogzol.Yo, Finance department, Business School, NUM Bayanjargal.D, Department of Applied Mathematics, School of Applied Science and Engineering, NUM Abstract The purpose of this study is to understand the current situation of the importance of adopting artificial intelligence in the Mongolian banking sector and to study the current situation of consumers in case of adopting artificial intelligence to banking services. In order to identify the importance and need for adopting artificial intelligence in the banking sector, a quantitative survey was conducted on 320 customers of 6 major Mongolian banks, using the results of SmartPLS 3.0 and Python 3.0 software. In determining how customers adopt artificial intelligence in banking we used factors such as awareness, perceived ease of use, perceived usefulness, perceived risk, perceived trust, subjective norms, attitude towards AI, intention to adopt AI in banking, кnowledge in technology. This study will provide banking sector policymakers with insights into addressing the challenges of introducing artificial intelligence to banks and to increase their consumption. This will allow policy makers to compare AI implementation strategies with reality. It is one of the studies to identify the important factors influencing the adoption of artificial intelligence in Mongolian banking services. Keywords: Artificial intelligence, Bank customers, Intention to adopt, PLS-SEM, PLS-TAM, Python
As we are aware of COVID-19 pandemic affected and changed normal life around the world. Most learning activities including elementary, secondary, and high education had shifted to online forms. This situation allowed us to realize some activities can be performed from a distance using the internet and information technology. Even though the pandemic situation has improved and we are adapted to this new normal life, some companies and sectors are still operating off-site or half off-site. There are secondary schools and universities still offering combined learning. In Mongolia, all activities of learning have been organized in online mode for one year and a half from January 27, 2020. Although the advantages of online learning are to avoid infectious diseases, to overcome time and space challenges, to reduce financial expenses, environmental-friendly, the question arises as to whether students are able to acquire the knowledge and skills which they need, what are the advantages and disadvantages of long-term online learning? The purpose of the research is to find out what methods and solutions are available.
The current paper aims to examine factors that influence cryptocurrency adoption in Mongolia. As cryptocurrency launched, many studies have covered cryptocurrency’s technological and economic side. Few studies investigated user adoption of cryptocurrency. This study tries to fill this gap and it is the very first study that is trying to investigate user adoption of cryptocurrency in Mongolia. In this study, technology readiness aspects – Optimism, Innovativeness, Discomfort, and Insecurity are used. We used Technology Acceptance Model (TAM) as a theoretical framework and have collected survey questionnaires from cryptocurrency users of cryptocurrency platforms in Mongolia. The result shows that optimism has a positive impact and discomfort has a negative impact on cryptocurrency adoption.
The current situation of the exporting SMEs and their position in the economy Financial condition of exporting SMEs Ability to determine the amount of capital required for interest rate subsidies to support the production of export goods
The current paper aims to examine factors that influence cryptocurrency adoption in Mongolia. As cryptocurrency launched, many studies have covered cryptocurrency’s technological and economic side. Few studies investigated user adoption of cryptocurrency. This study tries to fill this gap and it is the very first study that is trying to investigate user adoption of cryptocurrency in Mongolia. In this study, technology readiness aspects – Optimism, Innovativeness, Discomfort, and Insecurity are used. We used Technology Acceptance Model (TAM) as a theoretical framework and have collected survey questionnaires from cryptocurrency users of cryptocurrency platforms in Mongolia. The result shows that optimism has a positive impact and discomfort has a negative impact on cryptocurrency adoption.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
Хураангуй Энэхүү судалгаагаар ирээдүйн дээд боловсролын чиг хандлага ба үүнд Монгол улсын дээд боловсролын бэлэн байдлыг зарим үзүүлэлтээр харуулах зорилго тавьж энэхүү судалгааны ажлын гүйцэтгэсэн болно. Судалгаанд улсын зарим их сургуулийг хамруулж тэдгээрийн МХХТ-ийн дэд бүтцийн хөгжил, түүнийг сургалтын зориулалтаар ашиглаж буй өнөөгийн байдлыг харуулахыг хичээсэн. Түүврийн судалгаанд МУИС, МУБИС-ийн бакалаврын 2-4 -р ангийн 162 оюутныг санамсаргүй байдлаар сонгож авсан. Судалгаанд хамрагдсан оюутнуудын мэдээлэл харилцаа холбооны технологи ашиглан суралцах нөхцөл, боломжийг тодорхойлохын тулд асуулга боловсруулж онлайнаар мэдээлэл цуглуулж дүн шинжилгээ хийж гарсан үр дүнд үнэлэлт дүгнэлт өгсөн болно. Түүнчлэн МУИС, МУБИС, ШУТИС, Дорнод, МУИС-ийн завхан, Ховд их сургуулиудын багш нарын төлөөллийг оролцуулан их, дээд сургуулиудын технологид суурилсан сургалтын өнөөгийн нөөц боломжийг тодруулахыг зорилоо. Эдгээр судалгааны үр дүн болон олон улсад хэрэгжиж буй зарим нээлттэй цахим сургалтын тоон мэдээлэлд үндэслэн санал, дүгнэлт боловсруулсан болно.
Abstract The sustainability and efficiency of the banking sector remain a key indicator of Mongolia's financial stability. The likelihood of lending at the banking system is high, due to this is explained by the fact that Mongolia is heavily dependent on economic diversification and reliance on fewer sectors Non-performing loans amounted to MNT 1.8 trillion, or MNT 10.7 percent in February, and overdue loans amounting to 0.9 trillion MNT or 5.4 percent of total loans (Mongolia, Bank of Mongolia, 2019) The non-performing loans accumulated in the banking system do not risk financial stability, but plans and systems for preventing and preventing risks are important in Mongolia. Non-performing loans of the economy make the intermediary's economic intermediary vulnerable to the financial system and thereby impair economic activity. The purpose of this study is to identify the factors affecting consumer loans in a branch at Bayanzurkh district of “X” bank and to detect possibilities to reduce non-performing loans.
Abstract The sustainability and efficiency of the banking sector remain a key indicator of Mongolia's financial stability. The likelihood of lending at the banking system is high, due to this is explained by the fact that Mongolia is heavily dependent on economic diversification and reliance on fewer sectors Non-performing loans amounted to MNT 1.8 trillion, or MNT 10.7 percent in February, and overdue loans amounting to 0.9 trillion MNT or 5.4 percent of total loans (Mongolia, Bank of Mongolia, 2019) The non-performing loans accumulated in the banking system do not risk financial stability, but plans and systems for preventing and preventing risks are important in Mongolia. Non-performing loans of the economy make the intermediary's economic intermediary vulnerable to the financial system and thereby impair economic activity. The purpose of this study is to identify the factors affecting consumer loans in a branch at Bayanzurkh district of “X” bank and to detect possibilities to reduce non-performing loans.
