{"id":807,"date":"2021-01-15T17:29:48","date_gmt":"2021-01-15T15:29:48","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=807"},"modified":"2021-03-03T15:16:31","modified_gmt":"2021-03-03T13:16:31","slug":"%d1%80%d0%be%d0%b7%d0%b2%d0%b8%d1%82%d0%be%d0%ba-%d1%84%d1%96%d0%bd%d1%82%d0%b5%d1%85%d1%83-%d0%b2-%d1%83%d0%ba%d1%80%d0%b0%d1%97%d0%bd%d1%96-%d0%bf%d0%b5%d1%80%d1%81%d0%bf%d0%b5%d0%ba%d1%82%d0%b8","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=807","title":{"rendered":"\u0420\u043e\u0437\u0432\u0438\u0442\u043e\u043a \u0444\u0456\u043d\u0442\u0435\u0445\u0443 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456: \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0438 \u0437 \u043f\u043e\u0433\u043b\u044f\u0434\u0443 \u043d\u0430 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0456\u0457 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u0430"},"content":{"rendered":"

<\/p>\n

\u0420\u041e\u0417\u0412\u0418\u0422\u041e\u041a \u0424\u0406\u041d\u0422\u0415\u0425\u0423 \u0412 \u0423\u041a\u0420\u0410\u0407\u041d\u0406: \u041f\u0415\u0420\u0421\u041f\u0415\u041a\u0422\u0418\u0412\u0418 \u0417 \u041f\u041e\u0413\u041b\u042f\u0414\u0423 \u041d\u0410 \u0422\u0415\u041d\u0414\u0415\u041d\u0426\u0406\u0407 \u0420\u0415\u0413\u0423\u041b\u042f\u0422\u041e\u0420\u0410<\/p>\n

FINETECH DEVELOPMENT IN UKRAINE: PROSPECTS FROM THE REGULATOR’S TRENDS<\/p>\n

<\/a> \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438: 194-199. \u041d\u043e\u043c\u0435\u0440: \u21162, 2020 (280)<\/strong><\/p>\n

\u0410\u0432\u0442\u043e\u0440\u0438:<\/strong>
\n\u041d\u0410\u0413\u041e\u0420\u041d\u0418\u0419 \u041f. \u0414.
\n\u0425\u043c\u0435\u043b\u044c\u043d\u0438\u0446\u044c\u043a\u0438\u0439 \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u043d\u0438\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u0435\u043b\u044c\u043d\u043e-\u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0438\u0439 \u0456\u043d\u0441\u0442\u0438\u0442\u0443\u0442<\/p>\n

NAGORNY P.
\nKhmelnytsky Cooperative Trade and Economic Institute<\/p>\n

DOI<\/strong>:<\/strong>\u00a0https:\/\/www.doi.org\/10.31891\/2307-5740-2020-280-2-35<\/a>
\n\u041d\u0430\u0434\u0456\u0439\u0448\u043b\u0430 \/ Paper received :<\/strong> 15.03.2020
\n\u041d\u0430\u0434\u0440\u0443\u043a\u043e\u0432\u0430\u043d\u0430 \/ Paper Printed :<\/strong> 06.05.2020<\/p>\n

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\n\u0423 \u0441\u0442\u0430\u0442\u0442\u0456 \u043f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u043e \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u043d\u044f \u0435\u0442\u0430\u043f\u0456\u0432 \u0434\u0456\u0434\u0436\u0438\u0442\u0430\u043b\u0456\u0437\u0430\u0446\u0456\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u043f\u0440\u043e\u0446\u0435\u0441\u0456\u0432, \u0434\u043e\u0441\u0442\u0430\u0442\u043d\u0456\u0441\u0442\u044c \u0442\u0430 \u0441\u043f\u0456\u0432\u043c\u0456\u0440\u043d\u0456\u0441\u0442\u044c \u0457\u0445 \u0437 \u0432\u0438\u043c\u043e\u0433\u0430\u043c\u0438 \u0447\u0430\u0441\u0443 \u0442\u0430 \u0433\u043e\u0442\u043e\u0432\u043d\u0456\u0441\u0442\u044e \u0434\u043e \u043d\u0438\u0445 \u0441\u0443\u0441\u043f\u0456\u043b\u044c\u0441\u0442\u0432\u0430, \u0432\u0440\u0435\u0433\u0443\u043b\u044e\u0432\u0430\u043d\u043d\u044f \u043f\u0438\u0442\u0430\u043d\u044c \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u0430\u043d\u043d\u044f \u0432 \u043c\u0435\u0436\u0430\u0445 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0457 \u0441\u0438\u0441\u0442\u0435\u043c\u0438 \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432 \u0404\u0421, \u043c\u0456\u0436\u043d\u0430\u0440\u043e\u0434\u043d\u0438\u0445 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0456\u0432, \u0437\u0430\u043f\u0440\u043e\u0432\u0430\u0434\u0436\u0435\u043d\u043d\u044f \u043d\u043e\u0440\u043c \u0440\u0435\u0433\u0443\u043b\u044e\u0432\u0430\u043d\u043d\u044f \u0437 \u043f\u0438\u0442\u0430\u043d\u044c \u0456\u0434\u0435\u043d\u0442\u0438\u0444\u0456\u043a\u0430\u0446\u0456\u0457 \u0442\u0430 \u0432\u0435\u0440\u0438\u0444\u0456\u043a\u0430\u0446\u0456\u0457 \u0434\u043b\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0440\u0438\u043d\u043a\u0443.
\n\u0417 \u043e\u0433\u043b\u044f\u0434\u0443 \u043d\u0430 \u0432\u0438\u0449\u0435 \u0432\u0438\u043a\u043b\u0430\u0434\u0435\u043d\u0435\u00a0 \u0430\u0432\u0442\u043e\u0440 \u0434\u0430\u0432 \u043e\u0446\u0456\u043d\u043a\u0443 \u0434\u043e\u0441\u044f\u0433\u043d\u0443\u0442\u0438\u0445 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0456\u0432 \u0431\u0430\u043d\u043a\u0430\u043c\u0438, \u043c\u0430\u0439\u0441\u0442\u0435\u0440\u043f\u043b\u0435\u0439\u0441\u0430\u043c\u0438, \u0406\u0422-\u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f\u043c\u0438.
\n\u0421\u043f\u043b\u0430\u043d\u043e\u0432\u0430\u043d\u0438\u0439 \u0440\u043e\u0437\u0432\u0438\u0442\u043e\u043a \u0444\u0456\u043d\u0442\u0435\u0445\u0443 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456 \u0434\u043e 2025 \u0440\u043e\u043a\u0443 \u044f\u043a \u0433\u0430\u043b\u0443\u0437\u0456 \u0442\u0456\u043b\u044c\u043a\u0438 \u0440\u043e\u0437\u043f\u043e\u0447\u0430\u0432\u0441\u044f. \u041f\u043e\u0447\u0430\u0442\u043e\u043a \u0432\u0456\u0434\u0437\u043d\u0430\u0447\u0430\u0454\u0442\u044c\u0441\u044f \u0440\u0435\u0430\u043b\u044c\u043d\u0438\u043c\u0438 \u043d\u0430\u043f\u0440\u0430\u0446\u044e\u0432\u0430\u043d\u043d\u044f\u043c\u0438, \u0443\u0436\u0435 \u0430\u043f\u0440\u043e\u0431\u043e\u0432\u0430\u043d\u0438\u043c\u0438 \u0432 \u0434\u0456\u043b\u0456,\u00a0 \u0430 \u0442\u0430\u043a\u043e\u0436 \u0442\u0438\u043c\u0438, \u0449\u043e \u043f\u0456\u0434\u043b\u044f\u0433\u0430\u044e\u0442\u044c \u043a\u043e\u0440\u0435\u0433\u0443\u0432\u0430\u043d\u043d\u044e, \u043d\u0435\u043e\u0431\u0445\u0456\u0434\u043d\u0456\u0441\u0442\u044e \u043f\u043e\u0441\u0438\u043b\u0435\u043d\u043d\u044f \u043f\u0435\u0432\u043d\u0438\u0445 \u043d\u0430\u043f\u0440\u044f\u043c\u043a\u0456\u0432 \u0440\u043e\u0431\u043e\u0442\u0438 \u0437\u00a0 \u0443\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f\u043c \u0441\u0432\u0456\u0442\u043e\u0432\u043e\u0433\u043e \u0434\u043e\u0441\u0432\u0456\u0434\u0443.
\n\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0456\u044f, \u0434\u0456\u0434\u0436\u0435\u0442\u0430\u043b\u0456\u0437\u0430\u0446\u0456\u044f, \u0444\u0456\u043d\u0442\u0435\u0445.<\/p>\n

\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430 \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/p>\n

Dynamic development of the central bank of the countries – ensuring the stability of the banking system as a whole. In 2015, the National Bank of Ukraine developed a Comprehensive Program for the Development of the Financial Sector of Ukraine until 2020, which provided for the internal transformation of the National Bank. Practically execute programs to take to the finish line.
\nThe last decade, the rapid development of IT technologies in conjunction with the global coverage of the country by + 3G-4G networks have prompted the rapid digitalization of everyday life. In the forefront of processes there is a place for banking operations. Sufficient attention is paid by state regulators to the fastest introduction of modern technologies based on the use of digital processes. This is confirmed by the Strategy of Fintech Development of Ukraine until 2025 adopted by the National Bank of Ukraine.
\nThe purpose of the study is the readiness of the infrastructure of banking and non-banking institutions for the introduction of fintech in Ukraine on the model of advanced countries.
\nThe article examines the stages of digitalization of banking processes, their sufficiency and compatibility with the requirements of time and society’s readiness for them, regulation of the use of EU directives, international standards within the banking system, introduction of identification and verification regulations for the financial market. In view of the above, the author evaluated the results achieved by banks, workshops, IT companies. The planned development of fintech in Ukraine by 2025 as an industry has just begun. The beginning is marked by real developments, already tested in practice, as well as those that need to be adjusted, the need to strengthen certain areas of work taking into account world experience.
\nKeywords:<\/strong> strategy, digitalization, fintech.<\/p>\n

References<\/strong><\/p>\n

    \n
  1. Strategy for the development of the financial sector of Ukraine until 2025. URL: https:\/\/mof.gov.ua\/ storage\/files\/Strategija_financovogo_sectoru_ua.pdf (accessed 10.03.2020).<\/li>\n
  2. Financial market regulators have approved the Strategy for the Development of the Financial Sector of Ukraine until 2025. Government portal. URL: https:\/\/www.kmu.gov.ua\/news\/regulyatori-finansovogo-rinku-zatverdili-strategiyu-rozvitku-finansovogo-sektori-ukrayini-do-2025-roku (accessed 10.03.2020).<\/li>\n
  3. Fintech development strategy. Closed by the decision of the Board of the National Bank of Ukraine of July 9, 2020 \u2116 453-\u0440\u0448. URL: https:\/\/bank.gov.ua\/ua\/about\/develop-strategy\/fintech2025 (accessed 10.03.2020).<\/li>\n
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  5. Investments in the global fintech and insurance sector in 2018 increased to $ 112 billion. URL: https:\/\/\/ forinsurer.com\/news\/19\/02\/21\/36611 (accessed 10.03.2020).<\/li>\n
  6. Ukrainians choose digital and contactless payments as the most convenient and secure – Mastercard experts. URL: https:\/\/newsroom.mastercard.com\/eu\/uk\/news-briefs\/online_contactless_payments\/ (accessed 10.03.2020).<\/li>\n
  7. The second stage of discussion of the Strategy of development of fintech in Ukraine till 2025 starts, URL: https:\/\/bank.gov.ua\/ua\/news\/all\/startuye-drugiy-etap-obgovorennya-strategiyi-rozvitku-fintehu-v-ukrayini -do-2025-roku (accessed 10.03.2020).<\/li>\n
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  9. Fintech companies in Ukraine: the expert analyzed the dynamics of development. Multimedia platform of foreign broadcasting of Ukraine UKRINFORM. URL: https:\/\/www.ukrinform.ua\/rubric-economy\/2853596-fintehkompanii-v-ukraini-ekspert-proanalizuvala-dinamiku-rozvitku.html (accessed 10.03.2020).<\/li>\n
  10. Tishchenko O.I. Review of current trends in the online banking market in Ukraine Electronic scientific professional publication of Mukachevo State University. Economy and society. Issue 13\/2017. – P.1237-1243.- URL: http:\/\/www.economyandsociety.in.ua\/journal\/ 13_ukr\/206.pdf (accessed 10.03.2020).<\/li>\n
  11. TOP-10ukrainskih i zarubezhnyh marketplejsov 2020: obzor populyarnyh onlajn-ploshadok. Elektronna platforma InSales. URL: https:\/\/www.insales.com.ua\/blogs\/blog\/ukrainskie-i-zarubezhnye-marketpleysy?lang=ru (data dostupu 10.03.2020).<\/li>\n
  12. She dva banki priyednalis do BankID NBU. 22.05.2020. Multimedijna platforma inomovlennya Ukrayini UKRINFORM. URL:\u00a0\u00a0 https:\/\/www.ukrinform.ua\/rubric-economy\/3031164-se-dva-banki-priednalis-do-sistemi-bankid-nbu.html (data dostupu 10.03.2020).<\/li>\n
  13. Zarubizhnij dosvid formuvannya regulyatornogo mehanizmu peer-to-peer (p2p) kredituvannya Naukovij visnik uzhgorodskogo nacionalnogo universitetu. Seriya: Mizhnarodni ekonomichni vidnosini ta svitove gospodarstvo. Vipusk 19, chastina 2. 2018. – S.62-65. \u2013URL:\u00a0 http:\/\/www.visnyk-econom.uzhnu.uz.ua\/archive\/19_2_2018ua\/15.pdf (data dostupu 10.03.2020).<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[8],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/807"}],"collection":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=807"}],"version-history":[{"count":3,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/807\/revisions"}],"predecessor-version":[{"id":3998,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/807\/revisions\/3998"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}