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Web usage analysis of Pillar 3 disclosed information by deposit customers in turbulent times

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dc.title Web usage analysis of Pillar 3 disclosed information by deposit customers in turbulent times en
dc.contributor.author Munk, Michal
dc.contributor.author Pilková, Anna
dc.contributor.author Benko, Ľubomír
dc.contributor.author Blažeková, Petra
dc.contributor.author Švec, Peter
dc.relation.ispartof Expert Systems with Applications
dc.identifier.issn 0957-4174 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2021
utb.relation.volume 185
dc.type article
dc.language.iso en
dc.publisher Pergamon-Elsevier Science Ltd
dc.identifier.doi 10.1016/j.eswa.2021.115503
dc.relation.uri https://www.sciencedirect.com/science/article/pii/S0957417421009131
dc.subject risk management en
dc.subject market discipline en
dc.subject data pre-processing en
dc.subject financial regulation en
dc.subject web usage mining en
dc.description.abstract Market discipline has been a scrutinized area since the last financial crisis in 2008. Regulators strengthened their role particularly through Pillar 3 in Basel III. However, there are still some aspects of market discipline that deserve special attention to avoid future failures. This study focuses on the analysis of the interest and behaviour of deposit stakeholders based on website data dedicated to disclosures of commercial bank in Slovakia during and after turbulent times (period 2009–2012). The data consists of log files, and web mining techniques were applied (the modelling of web user behaviour in dependence on time - based on the proposals of the authors). The results show that also in turbulent times, stakeholders’ interest in Pillar 3 disclosures is low (in line with (Munk, Pilkova, Benko, & Blažeková, 2017)) and the highest interest was identified for the Pricing List category. After turbulent times, Pillar 3 categories (Pillar 3 related information and Pillar 3 disclosures) have weak interest, with peaks at the beginning of the year, and the highest increase was in the Business Conditions category. The results suggest that the enhancement of interest of key stakeholders in disclosures inevitably requires changes to deliver sufficient disclosure data structures and to design a disclosure policy that fulfils regulatory expectations. © 2021 The Authors en
utb.faculty Faculty of Humanities
dc.identifier.uri http://hdl.handle.net/10563/1010476
utb.identifier.obdid 43882650
utb.identifier.scopus 2-s2.0-85111047968
utb.identifier.wok 000707414500007
utb.identifier.coden ESAPE
utb.source j-scopus
dc.date.accessioned 2021-08-17T07:36:50Z
dc.date.available 2021-08-17T07:36:50Z
dc.description.sponsorship Scientific Grant Agency of the Ministry of Education of the Slovak Republic (ME SR); Slovak Academy of Sciences (SAS) [VEGA-1/0776/18, VEGA-1/0821/21]
dc.description.sponsorship Slovenská Akadémia Vied, SAV: VEGA-1/0776/18, VEGA-1/0821/21
dc.format.extent 12
dc.rights Attribution 4.0 International
dc.rights.uri https://creativecommons.org/licenses/by/4.0/
dc.rights.access openAccess
utb.contributor.internalauthor Munk, Michal
utb.fulltext.affiliation Michal Munk a,c,1 , Anna Pilkova b,2, Lubomir Benko a,3,*, Petra Blazekova b,4, Peter Svec a,5 a Constantine the Philosopher University in Nitra, Tr. A. Hlinku 1, SK 949 01 Nitra, Slovakia b Comenius University in Bratislava, Odbojarov 10, SK 820 05 Bratislava, Slovakia c Tomas Bata University in Zlín, nam. T. G. Masaryka 5555, CZ 760 01 Zlín, Czechia
utb.fulltext.dates Received 5 January 2020 Received in revised form 3 June 2021 Accepted 26 June 2021
utb.fulltext.sponsorship This work was supported by the Scientific Grant Agency of the Ministry of Education of the Slovak Republic (ME SR) and Slovak Academy of Sciences (SAS) under the contract No. VEGA-1/0776/18 and VEGA-1/0821/21.
utb.wos.affiliation [Munk, Michal; Benko, Lubomir; Svec, Peter] Constantine Philosopher Univ Nitra, Tr A Hlinku 1, SK-94901 Nitra, Slovakia; [Pilkova, Anna; Blazekova, Petra] Comenius Univ, Odbojarov 10, SK-82005 Bratislava, Slovakia; [Munk, Michal] Tomas Bata Univ Zlin, Nam TG Masaryka 5555, CZ-76001 Zlin, Czech Republic
utb.scopus.affiliation Constantine the Philosopher University in Nitra, Tr. A. Hlinku 1, Nitra, SK 949 01, Slovakia; Comenius University in Bratislava, Odbojárov 10, Bratislava, SK 820 05, Slovakia; Tomas Bata University in Zlín, nám. T. G. Masaryka 5555, Zlín, CZ 760 01, Czech Republic
utb.fulltext.projects VEGA-1/0776/18
utb.fulltext.projects VEGA-1/0821/21
utb.fulltext.faculty -
utb.fulltext.ou -
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