Світові тенденції розвитку FinTech у контексті розбудови цифрової економіки

Abstract

The publication substantiates the intensification of digitalization and its importance in the development of the digital economy. The dynamics of indicators characterizing the rise of the information and communication technology sector are examined. In addition, the main indicators of Internet development (number of Internet users, number of mobile Internet users, share of mobile data traffic, global Internet penetration rate, number of Internet users in the world, number of active social network users, number of smartphone users) are considered. The dynamics of global growth in the number of Internet users by region of the world are shown. A number of technologies, which create new activities and services in payment sphere and are characterized by a rapid development, are defined: mobile technologies in commerce, communications, etc.; artificial intelligence technologies for decision-making and chat-bots for consultation, etc.; progressive web applications, which provide reliable interaction with the user; blockchain technologies, which become a new basis for organization of transactions; wireless communication technologies; Big Data for data management and analysis; electronic identification technologies. The growth of the scale, role and influence of digital platforms at the global level as one of the digital economy development trends is shown, and the leaders among them in terms of brand value are provided. The features of national (supranational) models of digital economy development (American, Chinese and European), which form its global centers, namely, development strategy, market orientation, goals, objectives, ways to achieve leadership in information and communication technologies, approaches to digitalization, regulation, government support for information and communication technologies sector, data protection and privacy, national security, competition policy in the digital economy are considered and substantiated. The main indicators of FinTech development and investment in the sphere of FinTech in the world are analyzed. The EU as one of the world centers of FinTech development is considered. The intensive development of digital financial, special and auxiliary technologies used in FinTech is substantiated. The level of FinTech development in Ukraine was analyzed, the main fintech companies by directions and digital banking systems in Ukraine were reviewed. It is shown that the FinTech regulatory system is at the stage of formation.