ЗМІСТ ФІНАНСОВОЇ ІНКЛЮЗИВНОСТІ ЯК ІНДИКАТОРА ДОСТУПНОСТІ ФІНАНСОВИХ ПОСЛУГ

Abstract

The article analyzes the reform of the financial sector of the economy. Available services for the population have been studied. It has been determined that many unbanked customers typically have some form of identification that is typically missing from the documentation and credit records required by financial service providers to assess creditworthiness and carrying out due diligence of consumers. Aspects of the formation of sustainability of financial inclusion are determined. The analyzed level of financial inclusion is determined on the basis of the conducted questionnaire, which contains eighteen questions and the obtained results are combined into two groups. It has been studied that financial inclusion is one of the identified directions, the basis of which is an increase in the level of accessibility in the use of all financial services and the growth of financial literacy and awareness of the country's population. Financial inclusion, as one of the strategic directions of the sustainable development of the economic growth of Ukraine, is to ensure macro- financial stability, increase the reliability and technology of the financial system, achieve European standards in the financial market, increase trust in the financial market, implement the Association Agreement between Ukraine and the EU and other international contracts of Ukraine. The components of financial inclusion are indicated. It was found that Ukraine has a low level of use of financial services. It was studied how the financial literacy of the population increases with the help of financial inclusion. The article researched the institutional aspects of financial inclusion and its elements, which should be developed in the conditions of digitalization of economic relations. Namely, ensuring digital financial inclusion and introducing responsible digital financial practices; promoting the development of digital financial services. The need to implement strategic development of financial inclusion by the National Bank of Ukraine is substantiated. It is highlighted that the strategy for the development of financial inclusion in Ukraine should be based on the quality of financial services for the population that has access to them, and create new ways of distributing at least basic services, and itself for the population that does not have access to them.