The article considers the issues of development of the financial technology market, its opportunities and obstacles, as well as the need and inevitability of the in-troduction of fintech solutions in the financial and credit spheres. The main purpose of the research is to determine the role of fintech services in the state economy, the prospects for their development, as well as to substantiate the trends of adaptation of classical credit institutions and consumers of financial services to new financial tech-nologies at different stages of their development. Systematization of literature sources and approaches to solving the problem of intensifying activities in the field of innovative finance has shown that fintech is a specific cross-sectoral industry, which lies on the border of financial and IT spheres, consists of companies that use technology to improve the efficiency of financial services and encompasses digital innovations and programs that facilitate the creation and implementation of financial products. The urgency of solving this scientific problem is that the market of finan-cial technologies is one of the fastest growing. That is why it highlights the need for traditional financial institutions to digitize their activities through a radical change in the business model in order to strengthen competitive positions and provide strategic advantages. The research of the implementation of financial technologies in the article is carried out in the following logical sequence: systematization of stages of development of the fintech industry; assessment of the development of the fintech sphere in Ukraine in the context of the transition to the stage of integration with the banking system; study of the strengths and weaknesses of domestic banks and fintech companies, outlining obstacles and necessary changes for further digitization of the financial and credit system; research of the process of implementation of fintech services on the example of the technology life cycle model; assessment of the relationship between the level of financial and digital literacy of the population and the depth of promotion of innovative fintech products; identifying ways to increase the financial and digital inclusion of the population of Ukraine. Methods of the empirical, experimental and theoretical levels became the methodological tools of the conducted research. The results were evaluated and analyzed on the basis of surveys conducted in 2017-2019 by the Ukrainian Association of Fintech and Innovative Companies, the Ministry of Digital Transformation of Ukraine, the Ukrainian division of the British audit and consulting company Ernst & Young, and the US Agency for International Development. The article presents the results of an empirical analysis of the relations and interdependence of classical and innovative financial institutions, which showed the inevitability of the processes of digitization of financial services. The study em-pirically confirms and theoretically proves that the favorable development of the fintech industry is based on the following: the level of public awareness in the field of finance and information technology; the level of innovative development of financial institutions and the degree of penetration of the fintech companies in the financial market of the country; completeness of the legal framework.
The main purpose of the article is to form a theoretical and methodological mechanism for the application of anti-crisis measures for the sustainable development of the regional economy in the post-COVID environment. For this purpose, it was chosen to separately take the region as an example of the application of the proposed mechanism. The research methodology involves the use of methods for graphical modeling of the mechanisms for making and implementing managerial decisions. The popularity and convenience of the methods make it possible to effectively form the desired mechanisms. The relevance of the topic is due to the fact that the world has finally moved into the post-COVID period of development. COVID-19 has not gone away, but the regional economy must move forward. As a result of the study, a theoretical and methodological version of the possibilities of applying anti-crisis measures for the sustainable development of the regional economy in the post-COVID environment was presented. The study has a number of limitations, and they relate to the lack of opportunities to apply the proposed mechanism to a larger number of regions. Further research should cover more regions and take into account not only the post-COVID conditions of sustainable development but also the Ukrainian-Russian military crisis.
У статті розкрито сутність та процедуру використання коефіцієнтного аналізу при оцінці ефективності банківської діяльності. Здійснено аналіз та оцінку фінансової стійкості банківської системи України на етапі розгортання кризи, спричиненої пандемією коронавірусу COVID-19. Досліджено вітчизняний досвід впровадження регуляторних заходів щодо зміцнення фінансового стану українських банків. Дано характеристику етапам впровадження нових регуляторних вимог НБУ для підвищення фінансової стійкості банківської системи України
Варцаба В.І., Мостіпака О.В. КОНСТРУЮВАННЯ СИНЕРГЕТИЧНИХ ЕФЕКТІВ В НАЦІОНАЛЬНІЙ ЕКОНОМІЦІ УКРАЇНИ В статті обгрунтовуються умови досягнення синергетичних ефектів в соціально-економічній системі України; визначаються потенційні синергетичні ефекти, що створюватимуться у реальній економіці через зміну взаємозв'язків із національними грошово-фінансовими інструментами, які потенційно впливають на досягнення синергетичних ефектів в складі як факторів відтворення національного виробництва, так і інтелекту, який управляє комбінуванням цих факторів. Результати дослідження можуть бути використані при реформуванні соціально-економічної системи України та здійсненні ефективного синергетичного управління соціально-економічною системою України в глобальних координатах розвитку.
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