Стан і пріоритети фінансової інклюзії в Україні

Abstract

The article is aimed at theoretical and methodological substantiation of the status and priorities of financial inclusion in Ukraine. The theoretical analysis of the issues raised in the research was carried out in accordance with the general methodological scheme of the system approach. In solving certain problems, the statistic and economic method was used – to assess the current status and tendencies of financial inclusion in Ukraine, as well as methods of comparative analysis and analogy – to determine the prospects for inclusive development of the financial system of Ukraine. It is substantiated that the status of implementation of financial inclusion in Ukraine during 2015-2019 is characterized by an increase in the number of non-cash transactions using payment cards, dynamic development of payment infrastructure in both the trade and the service networks. The author advances arguments that the important tasks of development and inclusiveness of the financial sector of Ukraine are the development of the National payment system «Ukrainian payment space», expansion of payment infrastructure and improvement of conditions for settlement transactions using payment cards, including in the Internet. It is proved that low incomes of the population, limited access to financial services, underdevelopment of payment infrastructure, low level of financial education and financial literacy of Ukrainians are the key reasons for the slow development of financial inclusion in Ukraine. It is determined that the prospects for the development of financial inclusion are connected with the creation of effective mechanisms for protecting the rights of consumers of financial services, conditions for increasing financial literacy of the population and its awareness of the services of both the banking and the non-bank financial and credit institutions, the development of payment infrastructure and digital technologies in the financial sphere.