АНАЛІЗ ЦИФРОВІЗАЦІЇ РОЗДРІБНОГО СЕГМЕНТУ УКРАЇНСЬКОЇ БАНКІВСЬКОЇ СИСТЕМИ

Abstract

The purpose of this article is to formulate a comprehensive picture of the digitalization of the Ukrainian banking system across different services in line with similar global trends. Research methods were chosen due to the need to identify a large number of statistical data. First of all, we collect data from hidden devices using different OSINT methods. This data was compiled using the methods of sectoral and cohort analysis to identify qualifying characteristics, which allowed further grouping and comparison. As a result of the analysis, it was possible to identify the structure of Ukrainian branch banking from the perspective of digitalization, to identify trends in its further development, as well as possible points of growth. The analysis shows that the Ukrainian banking system currently occupies a place with light banking, which is clearly reflected in various indicators associated with the most advanced innovative technologies, and also at the same time ahead of the Some digital light banks have a variety of clear characteristics. One of the current advantages of Ukrainian banking is the high level of integration of banking and third-party services, especially financial and government services. Among the important points that allow us to perform an analysis is the high stability of the Ukrainian banking system, which in the minds of the large-scale invasion of Russia not only did not stop, but rather accelerated the development of wired technology. The analysis allows us to confirm for the first time that the Ukrainian banking system will not fail to provide its diverse clients with a high level of effective comfort with a variety of financial services, and it does not appear in this regard direct from light banking, integrated with light innovative processes and can be supported by the use of clear technological answer to the requirements of the demand side. The results of the classification of Ukrainian banks at the level of digitalization in the same segment of light banking allow us to predict the further development of the national system and reveal the most promising directions for such development , and also give the possibility of prioritizing government regulation of financial markets.