Розвиток цифрових інновацій на ринку кредитних послуг України

Abstract

Digital technologies nowadays play a key role in the development of the entire financial system of the country. The consequences of such influence are especially noticeable in the sphere of functioning of banking and non-banking institutions. These financial intermediaries are precisely the ones who today actively attract, create and use information and communication innovations in their own activities, allowing them to improve the quality of services provided to their clients and ensure the growth of the efficiency of their own activities. The article analyzes the role of modern innovations, primarily in the sphere of digitalization of financial relations, in the development of the market of credit services of Ukraine. The main attention is focused on deepening the theoretical provisions of the functioning of such a market in the new conditions – with the active development of information and communication technologies. Thus, the question of the role of information innovations in the processes of transformation of the credit services market is considered. Also, significant attention is paid to the issues of separation and specification of the role of individual credit innovations in the development of relations between credit institutions and their customers. In the article, such innovations primarily include p2p lending, remote servicing and functioning of neobanks; the essence of these new directions of development of the credit services market is considered and the peculiarities of their use by credit entities are described. It is determined that digital technologies already play a key role in the development of relations between lenders and borrowers in Ukraine. The results of the carried out analysis confirm the assumption that such technologies will be actively used by banking and non-banking institutions in the future. At this, it can definitely be argued that the level of application of information and communication technologies by these institutions will only grow in the future, taking into account new promising directions of their application in the sphere of financial services.