Цифрові фінанси: генезис, етапи становлення та сучасні тенденції розвитку

Юрченко, Олександр Анатолійович (2026) Цифрові фінанси: генезис, етапи становлення та сучасні тенденції розвитку European scientific journal of Economic and Financial innovation, 22 (4). с. 47-59. ISSN 2617-8648

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Анотація

The article examines the genesis, principal stages of formation, and current development trends of digital finance as an integral component of the transformation of the financial system. It is substantiated that digital finance should be viewed not merely as a set of electronic financial services or individual technological solutions, but as a dynamic system of interconnected financial instruments, technologies, services, digital platforms, and institutional mechanisms that facilitate new forms of interaction among financial institutions, businesses, the state, and consumers. The relevance of the study is determined by the accelerating digital transformation of the financial sector, the increasing diffusion of FinTech, mobile payments, digital banking, Open Banking, blockchain, Big Data, and artificial intelligence. The purpose of the article is to provide a theoretical and methodological substantiation of the formation of digital finance, systematize the principal stages of its genesis, identify current development trends, and outline prospective directions for the further transformation of the digital financial environment. The methodological framework of the study is based on the systems approach, historical-logical and evolutionary approaches, as well as methods of analysis, synthesis, comparison, generalization, systematization, and structural-dynamic analysis. The evolution of digital finance is systematized, and six interconnected stages of its formation are identified: automation of financial activities; electronicization and remote banking services; development of mobile and online finance; emergence and expansion of FinTech; diffusion of blockchain technologies and digital assets; and formation of digital financial ecosystems. It is established that each subsequent stage has been accompanied by the emergence of new technologies and a transformation of interaction models among financial market participants, channels for delivering financial services, approaches to information processing, and mechanisms for making financial decisions. Three interconnected dimensions of digital finance research are identified: technological and innovative, institutional and market, and socio-economic. The study substantiates the key current trends in digital finance, including the expansion of FinTech and digital financial services; the development of mobile payments and digital banking; the emergence of Open Banking and digital financial ecosystems; the application of artificial intelligence, Big Data, and automated analytics; the development of blockchain, tokenization, and digital assets; the emergence of central bank digital currencies; the increasing role of digital finance in promoting financial inclusion and supporting small and medium-sized enterprises; and the integration of digital finance with the digital transformation of businesses. The current stage is characterized by a transition from individual digital financial products toward platform-based models in which financial and non-financial services are integrated into interconnected digital ecosystems. The practical significance of the findings lies in the possibility of applying the identified stages and development trends to assess the level of digital transformation of the financial sector and individual enterprises, evaluate the development of digital financial services, and substantiate directions for their further improvement. Prospects for further research include the quantitative assessment of the digitalization of Ukraine’s financial sector, the development of criteria for assessing the maturity of digital financial ecosystems, and the evaluation of the impact of Open Banking, artificial intelligence, Big Data, and central bank digital currencies on the transformation of financial relations.

Тип елементу :	Стаття
Ключові слова:	цифрові фінанси; цифровізація; FinTech; цифрові фінансові послуги; Open Banking; цифровий банкінг; мобільні платежі; штучний інтелект; Big Data; блокчейн; цифрові активи; фінансова інклюзія; цифрові фінансові екосистеми
Типологія:	Статті у періодичних виданнях > Фахові (входять до переліку фахових, затверджений МОН)
Підрозділи:	Факультет економіки та управління > Кафедра міжнародної економіки
Користувач, що депонує:	доцент Олександр Анатолійович Юрченко
Дата внесення:	24 Жов 2026 19:20
Останні зміни:	24 Жов 2026 19:20
URI:	https://elibrary.kubg.edu.ua/id/eprint/59784

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