СТВОРЕННЯ БАНКІВСЬКИХ КЛАСТЕРІВ ДЛЯ ПІДВИЩЕННЯ ІННОВАЦІЙНОСТІ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ

Abstract

Formulation of the problem. Today most developed countries associate long-term sustainable economic growth with the transition to innovative path of development, so the problem of creating and ensuring the efficient functioning of innovative cluster structures, in particular banking, is extremely urgent. The aim of the research is systematization of theoretical and methodological provisions on the creation of banking cluster structures to enhance the innovativeness of Ukraine banking system. The subject of the research is formation and functioning of innovative banking clusters in Ukraine. The methods of the research: meaningful method, comparison method, induction and deduction methods, cluster analysis, etc. The hypothesis of the research. There is a need to create innovative banking clusters to increase the innovativeness of the Ukraine banking system. The statement of basic materials. The definitions of the term “innovation cluster” and “banking innovations” are analyzed. It is determined that banking innovations in Ukraine are aimed mainly at creating new or modernizing existing banking products and services and developing automated banking systems. The advantages of creation of innovative banking clusters are characterized and algorithm of banks cluster analysis realization and algorithm of innovative banking clusters creation are developed. The originality and practical significance of the research are algorithm of banks cluster analysis realization and algorithm of innovative banking clusters creation, which makes possible to determine the sequence of actions required for cluster structures formation. Conclusions and perspectives of further research. Prospects of creation of innovative banking clusters are characterized and algorithm of banks cluster analysis realization and algorithm of innovative banking clusters creation are developed. These algorithms will ensure close interaction between the cluster members and the generation of new ideas, will increase the innovativeness of the production and providing of banking services.