Actual problems of innovative economy and law

Journal "Actual problems of innovative economy and law" is included in category B for specialties: in the field of knowledge "Management and administration": 073, 076 (order of the Ministry of Education and Science of Ukraine dated 23.08.2023 No. 1035) and 071, 072, 075 (order of the Ministry of Education and Science of Ukraine dated 12.20.2023 No. 1543); in the field of knowledge "Social and behavioral sciences" 051 (order of the Ministry of Education and Science of Ukraine dated August 23, 2023 No. 1035); in the field of knowledge "Law" - 081 and "Public management and administration" - 281 (order of the Ministry of Education and Science of Ukraine dated 12.20.2023 No. 1543).
Registration of an entity in print media: Decision of the National Council of Ukraine on Television and Radio Broadcasting No. 1390 dated 11/16/2023. Media identifier: R30-02018
The journal is indexed in the International Scientific Center of Index Copernicus International

Adaptive agile management in the bank management system in conditions of unpredictability of the external environment

# 29 128-134 Download/view the full text of the article

УДК: 658.012.4:336.71

DOI: https://doi.org/10.36887/2524-0455-2025-6-29

Maksakov Yevgeniy,
PhD student of Management, Business and Administration Department,
Simon Kuznets Kharkiv National University of Economics,
https://orcid.org/0009-0003-4768-696X

Published: 27.11.25

The article presents a comprehensive scientific study of the methodological principles for implementing adaptive Agile management in the activities of Ukrainian banking institutions operating under the critical unpredictability of the external environment, caused by martial law, macroeconomic instability, and accelerated digital transformation. The author substantiates that traditional hierarchical management models, focused on rigid formalization, lose effectiveness in a dynamic environment, requiring a transition to adaptive management and the Management 3.0 paradigm, which emphasizes decentralization of decision-making, self-organization of cross-functional teams, and development of intellectual capital. The Agile methodology is considered a practical tool for implementing adaptability, helping reduce time-to-market for products, improve the quality of management responses, and enhance the customer experience. At the same time, the paper argues that direct copying of classical Agile frameworks in the banking sector is impossible due to the high level of regulatory control, the requirements of Basel III standards, and the need for strict risk management. The key scientific result of the research is the development of a hybrid organizational-functional management model that combines a stable hierarchical core for risk control, compliance, and financial reporting (“Run the Bank”) with flexible Agile structures for innovative development and digital service delivery (“Change the Bank”). The proposed approach harmonizes regulatory stability requirements with the need for high adaptability, ensuring the bank’s sustainable development amid uncertainty. The practical significance of the results lies in their potential use by commercial banks to transform management systems in line with the requirements of the National Bank of Ukraine and modern market challenges.

Keywords: adaptive management, Agile methodology, Management 3.0, hybrid management model, banking regulation, risk management, digital transformation.

References.

  1. Appelo, (2011). Management 3.0: Leading Agile Developers, Developing Agile Leaders. Addison-Wesley. Boston. USA. Available at:  https://ptgmedia.pearsoncmg.com/images/9780321712479/samplepages/9780321712479.pdf.
  2. Appelo, (2016). Managing for Happiness: Games, Tools, and Practices to Motivate Any Team. Wiley. Hoboken. Available at: https://www.perlego.com/book/992691/managing-for-happiness-games-tools-and-practices-to-motivate-any-team-pdf.
  3. Basel Committee on Banking Supervision. Basel III: A global regulatory framework for more resilient banks and banking systems. Basel: Bank for International Settlements. (2011). Available at: https://www.bis.org/publ/bcbs189.htm.
  4. Basel Committee on Banking Supervision. Corporate governance principles for banks. Basel: Bank for International Settlements. (2015). Available at: https://www.bis.org/bcbs/publ/d328.pdf.
  5. Beck, (2001). Manifesto for Agile Software Development. Available at: https://agilemanifesto.org.
  6. Brühl, (2022). «Agile methods in the German banking sector: some evidence on expectations, experiences and success factors». Journal of Business Economics. № 92. рр. 1337–1372. DOI: https://doi.org/10.1007/s11573-022-01102-y.
  7. Denning, (2018). The Age of Agile: How Smart Companies Are Transforming the Way Work Gets Done. AMACOM. New York. USA. Available at: https://www.perlego.com/book/728170/the-age-of-agile-how-smart-companies-are-transforming-the-way-work-gets-done-pdf.
  8. Druker, P.F. (2002). Praktyka menedzhmentu. Osnovy. [The Practice of Management]. Kyiv. Ukraine.
  9. Highsmith, (2009). Agile Project Management: Creating Innovative Products. Addison-Wesley. Boston.USA.
  10. Kyfiak, V. (2025). Metodolohiia doslidzhennia seredovyshcha rozvytku biznesu z metoiu vstanovlennia stratehichnykh priorytetiv ahrobiznesu v umovakh BANI-svitu [Methodology of business development environment research for establishing strategic priorities of agribusiness in BANI-world conditions]. Economic Synergy, (3), 97–114. https://doi.org/10.53920/ES-2025-3-8
  11. Kowalczyk,, Marcinkowski, B., Przybyłek, A. (2022). «Scaled Agile Framework: dealing with software process-related challenges of a financial group». Journal of Software: Evolution and Process. № 34(6). DOI: https://doi.org/10.1002/smr.2455.
  12. Lepejko, T.I., Zos’-Kior, M.V., Fedirets’, O.V. (2024). «Digital transformation of business processes of adaptive enterprises in the context of sustainable development and change management». Ahrosvit. № 13. рр. 4–13. DOI: https://doi.org/10.32702/2306-6792.2024.13.4.
  13. Mel’nyk, A. (2025). «Innovative approaches to the management of organizations in the era of digitalization». Herald of Khmelnytskyi National University. Economic Sciences. 2№ 340(2). S. 618-622. DOI: https://doi.org/10.31891/2307-5740-2025-340-98.
  14. Mintsberh, H. (2009). [Managing]. Berrett-Koehler Publishers. San Francisco. USA.
  15. Popov, S., Tarnovs’kyj, V. (2024). «Emergence of management as a key paradigm in organizational management». Adaptyvne upravlinnia: teoriia i praktyka. Seriia Ekonomika. № 38. Available at: https://amtp.org.ua/index.php/journal2/article/view/692.
  16. Rigby, D.K., Sutherland, J., Takeuchi, H. (2016). «Embracing Agile». Harvard Business Review. Vol. 94. No. 5. рр. 40–50. Available at: https://hbr.org/2016/05/embracing-agile.
  17. Senge, P. (2006). The Fifth Discipline: The Art and Practice of the Learning Organization. Doubleday. New York. USA.
  18. Scott, E., Milani, F., Kilu, E., Pfahl, D. (2021). «Enhancing agile software development in the banking sector — a comprehensive case study at LHV». Journal of Software: Evolution and Process. № 33(7). DOI: https://doi.org/10.1002/smr.2363.
  19. Shylo, T.V. (2023). Upravlinnia bankivs’kymy proiektamy za metodolohiieiu SCRUM. [Management of banking projects using the SCRUM methodology]. KNEU im. V. Het’mana. Kyiv. Available at: https://ir.kneu.edu.ua/items/d3ff700d-7715-447b-ad46-48461ca356a1.
  20. Wulandari, P. (2025). «Adaptive Management in the Era of Technological Disruption: Organizational Strategies for Facing Global Uncertainty». Optima: Indonesian Journal of Contemporary Management and Accounting. Vol. 1 No. 1. Available at: https://ojsap.com/index.php/optima/article/view/11.
  21. Agile Business Consortium. Business Agility. Available at: https://www.agilebusiness.org/business-agility.html.
  22. org. Agile-pidkhody i praktyk v upravlinni. AgileLab.org. Available at: https://agilelab.org.
  23. (2024). Agile Project Management for Digital Financial Services. Agile Project Management for Digital Financial Services.
  24. Agile Management Challenges in Financial Services. Available at: https://production-ready.dev/index.html?p=8102.html.

Quote article, APA style

Maksakov Y. Adaptive agile management in the bank management system in conditions of unpredictability of the external environment. Actual problems of innovative economy and law. 2025. №6. 128-134 pp. https://doi.org/10.36887/2524-0455-2025-6-29

Quote article, MLA style

Maksakov Y. Adaptive agile management in the bank management system in conditions of unpredictability of the external environment. Actual problems of innovative economy and law. https://doi.org/10.36887/2524-0455-2025-6-29