Fintech as Qualifying Factor for Post-War Economic Development in Ukraine: Theoretical and Practical Aspects

The study examines theoretical approaches to defining the economic essence of the concept of FinTech and clarifies its content. The key stages of FinTech development in Ukraine are systematized in order to identify the prospects for further integration of innovations into the financial sector. The historical stages of the formation of the FinTech industry are identified, and the distinctive features of its integration into the global financial market are specified in the context of European integration trends. Regulatory approaches and the legal framework governing FinTech are examined, and their effectiveness in fostering market development is assessed. The impact of regulatory and legislative acts on the development of financial technologies is analysed, and an evaluation of their effectiveness is provided. A comprehensive set of measures aimed at improving RegTech development and enhancing the functioning of the National Bank of Ukraine’s regulatory platform is proposed.