ABSTRACT

Sustainable banking is an issue that has been growing in importance around the world since the 2008 global crisis. Because the banking system is a major economic and financial intermediary, it has a significant impact on diverse stakeholders. In this context, understanding the determinants of long-term survival of the banking industry appears to be important to ensuring sustainable banking. Based on a constructivist stance, this study sought to identify sustainability strategies in the banking industry through a combination of fuzzy cognitive mapping (FCM) and the system dynamics (SD) approach. The main goal is to develop an easily understood model of sustainable banking to help decision makers analyze the dynamics of the cause-and-effect relationships between determinants of sustainable banking and project long-term scenarios. The insights obtained were derived from two group sessions with a panel of decision makers who deal with banking processes on a daily basis and were validated by the Director of the technical unit for sustainability of Millennium BCP, one of the largest banking corporations in Portugal. Static and dynamic analyses were also carried out, the results of which support the study’s main conclusions and reinforce the relevance of the proposed dual methodology.

摘要

自2008年全球危机以来，可持续银行业务在世界范围内的重要性日益提高。因为银行系统是主要的经济和金融中介机构，所以它对各种利益相关者都有重大影响。在这种情况下，了解银行业长期生存的决定因素似乎对确保可持续银行业务很重要。基于建构主义的立场，本研究试图通过模糊认知映射（FCM）和系统动力学（SD）方法的结合来确定银行业的可持续发展战略。主要目标是开发一种易于理解的可持续银行模型，以帮助决策者分析可持续银行决定因素与项目长期方案之间因果关系的动态。所获得的见解来自与决策者组成的小组的两个小组会议，该决策者小组每天处理银行业务流程，并得到了葡萄牙最大的银行公司之一Millennium BCP可持续性技术部主任的验证。还进行了静态和动态分析，其结果支持了研究的主要结论，并加强了所提出的双重方法的相关性。