Роль цифрової трансформації ринку кредитних послуг в інноваційному розвитку національної економіки

Abstract

The article is devoted to the study of the role of existing trends of digital transformation in stimulating the innovative development of the national economy. It has been proven that the processes of digital transformation in today's conditions affect almost all spheres of life in society. The leading role of the implementation of digital transformation processes in ensuring sustainable economic development, forming the prerequisites for bringing the country's economy closer to more progressive technological systems is substantiated. The need to implement a system approach to the innovative development of the national economy, which must be implemented on a permanent basis, is emphasized. Attention is focused on the fact that the level of readiness of the national economy for innovative development is determined by its resource provision, among which a significant role belongs to financial provision. According to the results of the analysis of the financial state of the national banking system, the existing digital transformations of the credit services market, the feasibility of using its financial potential to ensure the innovative development of the State's economy is substantiated. It has been proven that the implementation of the strategic vector of the development of the national economy, aimed at innovative development, as well as close cooperation with the international banking system, will require the development of new and the application of existing digital transformations of the credit services market. An author's approach to revealing the role of digital transformation of the credit services market in the innovative development of the national economy is proposed, aimed at considering the interests of all participants in this process, ensuring the macro-financial stability of the State and forming the necessary potential for its sustainable development. The key advantages of the digital transformation of the credit services market, as a significant source of financial resources necessary for the implementation of strategic innovative development of the State, have been determined. The need to deepen methodological approaches to the development of the credit services market in the context of its dynamic digital transformation, as a significant component of resource provision for the innovative development of the national economy, is substantiated.