Researchers at the AI and Digital Science Institute of the HSE Faculty of Computer Science have developed a new method—the Signature-Guided Data Augmentation (SGDA) framework—that achieves 99% accuracy in motor fault detection and 86% accuracy in fault classification. The application of this approach can reduce industrial equipment repair costs, minimise downtime, and improve production safety. The study results have been published in Engineering Applications of Artificial Intelligence.
Maria Mizernaia studies Soviet literature and the history of book publishing. In this interview for the HSE Young Scientists project, she discusses plans to publish a novel about besieged Leningrad, AI-provoked reflections on what it means to be human, and how novels can help satisfy our dopamine hunger.
Is it possible to predict, based on the configuration of streets and buildings, where a café will open or where traffic congestion will occur? Participants in the Spatial Analysis and Modelling of Urban Processes research and study group use open data and machine learning to identify universal patterns. Alexander Sheludkov and Eduard Somov discuss the purpose of comparing cities, the need for new forms of urban statistics, and how open data is transforming approaches to urban studies.
Service Management and Customer Orientation in Russian Banking Industry
P. 632–636.
Prosvirkina E. Y.
Though the service sector is growing rapidly in the emerging markets, including Russia, the quality of services is still low in comparison with the developed countries. Thus, organizations should implement strategic services management and create a customer-oriented culture. To analyze the role of customer orientation in the service sector in Russia, banking industry is considered. Based on the data collection of fifty largest banks it is determined that only thirty percent of the sample declares customer orientation as a corporate value. The calculation of corporate value index demonstrated that banks pay less attention to customer focus and more frequently mention effectiveness, trust, teamwork, and openness as the main values. An analysis of required skills and competencies of employees also demonstrated that customer orientation is not one of the main requirements to personnel in Russia.
Ramenskaya A., Бектемиров Р. Р., Корнейченко Е. Н., В кн.: Имитационное моделирование. Теория и практика (ИММОД 2025).: СПб.: АО "ЦТСС", 2025. С. 463–470.
Banks need to analyze the preferences and behavior of their customers for stability. The high value of the key rate has affected the deposit policy of banks. The purpose of the study is to develop simulation model of customer behavior in the regional bank deposit market. The paper proposes an agent-based simulation model describing the ...
Vishnevskiy A., Lex Russica (Русский закон) 2025 Т. 78 № 4 С. 25–33
The paper examines the amendments to the Advertising Law introduced by Federal Law No. 479-FZ dated 23 December 2024, which aim to establish additional requirements for the advertising of consumer loans (loans). The research is of a comparative legal and comprehensive nature: the author evaluates the provisions of the law not only based on a ...
Zaiane S., Semenova M., / NRU Higher School of Economics. Series FE "Financial Economics". 2025. No. 96FE2025.
This study examines the relationship between managerial ability (MA) and bank loan quality, employing a quantile regression model. It analyzes whether the impact of MA on loan quality changes across various quantiles of risk. Using a sample of 126 MENA banks (2006–2020), the results reveal that the impact of MA on bank loan quality varies ...
Podrugina A., Лысенко К. В., Майхрович М. Я., Экономический журнал Высшей школы экономики 2024 Т. 28 № 3 С. 525–554
The decade of expansionary monetary policy and tough financial regulation after the global financial crisis reduced the profitability of the banking sector, but at the same time it significantly increased its financial stability. The COVID-19 pandemic has become a stress for banks, but liquidity support measures and extra-dovish monetary policy of central banks in developed ...
Oshmankevich K., Вестник Московского университета. Серия 26: Государственный аудит 2021 № 4 С. 79–86
The article is devoted to the features of functioning of banking system institutions in Russia within economy digitalization. The author observes normative acts reflecting the role and functions of the Bank of Russia and credit organizations under new economic conditions. Additionally, the definition of digital economy is provided as well as researchers’ opinion about emerging ...
the issue of legal regulation of financial data protection in the Russian Federation is reviewed in the article. The author highlights the importance and actuality of the issue, providing statistical information. Due to active digitalization of economic relations, the issue of determining the range of data related to financial data, as well as their proper ...
Oshmankevich K., Хозяйство и право 2023 № 4 С. 42–50
The article deals with issues related to a wide-spread way of committing fraudulent actions against clients of credit institutions as social engineering. The danger of this phenomenon lies in the fact that attackers, using a combination of technical and psychological techniques, mislead their victims, encouraging them to transfer sensitive information or perform certain actions, such ...
Kopnova E., Османова А. О., Финансы и бизнес 2023 Т. 19 № 3 С. 86–99
According to the monthly data of the eleven largest banks in Russia for 2015-2020, the dynamic relationship between deposits of individuals and loans issued has been investigated. We used econometric tools for analyzing the cointegration of random processes in the form of an error correction model estimated from panel data. It is shown that the ...
Popova P., Semenova M., Sokolov V., / Series WP BRP "Series FE "Financial Economics"". 2023. No. WP BRP 92/FE/2023.
The COVID-19 pandemic caused a significant change in the consumption, savings, and
employment patterns of individuals. This study investigates the reaction of individual bank
depositors to the spread of COVID-19 from the perspective of the outflow of retail deposits and the
shift in their maturity structure across Russian regions which were differently hit by the pandemic.
Exploiting the cross-regional ...
Господарчук Г. Г., Aistov A., Suchkova E. O., Финансы: теория и практика 2023 Т. 27 № 2 С. 108–118
Depending on the chosen business model, banks can act as both shock absorbers and crisis catalysts. In this regard, the analysis of the relationship between banks’ business models and financial cycles becomes a useful tool for diagnosing and predicting crisis phenomena. The purpose of the research is to identify the relationship between the volume of ...
Semenova M., Popova P., Russian Journal of Money and Finance 2023 Vol. 82 No. 2 P. 106–119
This study focuses on the COVID-19 effect on the drawdown on bank credit lines in Russia. Using the bank-level data for all Russian banks for 2017-2020 we document that the first quarter of the pandemic witnesses a significant increase in probability for banks to demonstrate positive loans granted within the credit lines, which – given ...
Zimin E., Semenova M., / Series WP BRP "Financial economics". 2022. No. WP BRP 90/FE/2022.
Bank de-branching is one of the key trends in banking sectors all over the world. This paper
explores the conditions in which de-branching brings more profits to the bank. This issue is
attracting considerable interest due to recent technological developments and increasing
competition, including from fintech companies. Using the data from 84 Russian regions over the
period of 2010–2020, ...
Mozias P., Социальные и гуманитарные науки. Отечественная и зарубежная литература. Серия 9: Востоковедение и африканистика 2022 № 4 С. 122–149
Кейнсианская школа описала "процентный канал" передачи сигналов денежной политки в реальный сектор экономики. А с появлением в 1970-е годы пионерных работ о значении асимметрии информации для функционирования финансовых рынков возникли и теоретические представления о "кредитном канале" денежной трансмиссии. Китайские экономисты, исследующие особенности денежной трансмиссии в современной переходной экономике Китая, приходят к выводу, что оба канала ...
Mozias P., Социально-гуманитарные науки. Отечственная и зарубежная литература. Серия 9. Востоковедение и африканистика 2022 № 3 С. 124–156
В китайском финансовом секторе до сих пор доминируют банки, находящиеся в государственной собственности. Либерализация процентных ставок в Китае происходила медленно, рудименты административного контроля над ценами на финансовые ресурсы существовали и в 2010-е годы. Такой алгоритм преобразований в банковской сфере соотвествует общей модели китайских реформ как сугубо постепенных. ...
Iakimenko I., Semenova M., Zimin E., Journal of International Financial Markets, Institutions and Money 2022 Vol. 80 Article 101651
Estimating correctly the borrower credit risks is the task of particular –and growing- importance for the banks all around the globe. Formal information sharing mechanisms are aimed to reduce information asymmetry in the credit markets and to enhance the precision of those estimates. In the academic literature, however, the answer to the question of whether ...
Kolade S. A., Semenova M., / NRU Higher School of Economics. Series FE "Financial Economics". 2022. No. WP BRP 87/FE/2022.
This paper explores the effects non-interest income (NII) generating activities on banking sector efficiency in 152 countries from 1996 to 2017. Contrary to existing studies that investigate the effects of diversification on banking performance at the micro-level, this study seeks to provide new insights by examining the effects of diversification at the aggregate level on ...