乌克兰银行业数字化和金融科技市场发展

O. Yelisieieva, A. I. Peretiatko
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引用次数: 0

摘要

目标。该研究的目的是分析金融科技行业的现状,以及乌克兰银行业新银行的出现和传统银行数字化的趋势;确定金融科技公司对金融市场制度转型的影响,特别是在它们与现有金融机构的互动方面,以及审查NBU作为市场监管机构的行动。为了实现既定目标并解决既定任务,使用了一般科学研究方法系统,即:归纳,比较,图形和表格的理论概括方法-澄清乌克兰金融科技发展的问题方面,并说明对国内银行业数字化过程的分析;抽象-逻辑方法-总结研究结果,并确定乌克兰金融科技和新银行进一步发展的优先领域和工具。研究发现,银行业的金融科技业务和数字化正处于积极发展阶段,表现为金融科技公司数量的增加和活动的扩大,以及银行向网上服务的过渡。Monobank活动的开始成为乌克兰新银行的起点。银行向网上服务过渡的主要催化剂之一是“Diia”和“BankID”服务的引入,这些服务允许金融机构在线验证客户。为了控制和合法监管金融科技公司,NBU制定了一项“乌克兰金融科技发展战略,直到2025年”。在乌克兰,金融科技公司和新银行的成立有一些先决条件:建立足够的基础设施;形成良好的立法监管环境;确保获得资金和投资;具备足够水平的资格和创新潜力的员工。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
DIGITALIZATION OF BANKING SECTOR AND DEVELOPMENT OF FINTECH MARKET IN UKRAINE
Objective. The objectiveof the study is to analyze the state of the FinTech industry as well as the trend towards the emergence of neobanks and digitalization of classical banks in the Ukrainian banking sector; to determine the impact of FinTech companies on the institutional transformation of financial markets, especially in terms of their interaction with existing financial institutions, as well as to review the actions of the NBU as a market regulator. Methods. To achieve the defined goal and solve the set tasks, a system of general scientific research methods is used, namely: methods of theoretical generalization of induction, comparison, graphical and tabular — to clarify the problematic aspects of FinTech development in Ukraine and illustrate the analysis of the digitalization processes of the domestic banking sector; abstract-logical method — to summarize the results of the study and identify priority areas and tools for further development of FinTech and neobanks in Ukraine. Results. It is established that the fintech business and digitalization of the banking sector is at the stage of active development, which is manifested in the increase in the number of fintech com­panies and the expansion of their activities, as well as the transition of banks to online services. And the beginning of Monobank’s activity became the starting point for neobanks in Ukraine. One of the main catalysts for the transition to online services by banks is the introduction of the “Diia” and “BankID” service, which allows financial institutions to verify customers online. In order to control and legally regulate fintech companies, the NBU has developed a “Strategy for the Devel­opment of Fintech in Ukraine until 2025”. The formation of fintech companies and neobanks in Ukraine is facilitated by certain prerequisites: the creation of adequate infrastructure; the forma­tion of a favorable legislative and regulatory environment; ensuring access to capital and invest­ment; the availability of a sufficient level of qualifications and innovative potential of employees.
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