РИНОК FINTECH-ПОСЛУГ В УКРАЇНІ: ТЕНДЕНЦІЇ РОЗВИТКУ І ПОШИРЕННЯ НА ТЛІ ОПТИМІЗАЦІЇ БАНКІВСЬКИХ РИЗИКІВ

Abstract

The article discusses the development of the FinTech industry as a defining feature of the current stage development of the banking sector of the economy. The specifics of FinTech work as a branch of the economy have been determined. A number of risks of introducing FinTech innovations in banks and the prospects for overcoming these risks have been identified. Analyzed the scale of investment flows in FinTech firms by areas of activity. The influence on the FinTech industry of such factors as the legislative base, consumer demand for FinTech services and the economic situation in the country, on the basis of which a number of problems have been identified improving the FinTech industry in Ukraine. The ways to overcome them are highlighted. The necessity of interaction between FinTech firms and the banking sector of the economy has been substantiated. Possible directions for the development of partnerships between FinTech companies and traditional banks are highlighted. It is substantiated that the development of FinTech business in Ukraine should be carried out not in competition with commercial banks, but in the use of mutually beneficial cooperation options. The development of new technologies and innovations in our country will be facilitated by the introduction of the NBU BankID remote electronic identification system, the implementation of the EU Directive PSD2, the modernization of the BOT of the NBU according to the international standard ISO 20022. Basic victories and bosses, which stand in front of the NBU; increased communication with market participants and established platforms for communication and implementation of new Fintech solutions in the payment space of Ukraine; Issue by the Ukrainian central bank of the power digital currency – e-hryvnia. Visiting the FinTech market, following the light trends, shows the dynamic growth of the protracted rest of the growth – growth as a part of the cornerstone. The development of FinTech transport and financial services and services in the department of business: banking, insurance, financial management, trade, regulatory affairs. Аccelerate the development of FinTech, and will also be an opportunity for banks to find innovative solutions, startups to increase investment and attract customers, and international venture funds – to make profitable deals.