Innovative Approaches to Transformation of Business Processes in Digital Economy: Ensuring Financial Security and Inclusion

Анотація

Introduction: In light of global business development trends, ensuring financial security and inclusion is currently gaining particular relevance. Specifically, financial inclusion has been identified as a factor in achieving nearly half of the United Nations' Sustainable Development Goals. The study aims to analyse innovative approaches to the digitalisation of business processes in the context of ensuring financial security and inclusion. The article analyses the essence of modern business transformations in digitalisation.Methods: The specificity of inclusivity and financial security phenomena is explored, modern approaches to functionality and component structure are identified, and their basic principles (quality, access, well-being, and usage) and aspects (usage, coverage, and quality) are highlighted.Development: The study examines prospective directions for the digitalisation of business processes, including using artificial intelligence for user experience analysis, personalisation, mobile applications, and the creation of digital archival systems. The necessity for transforming the corporate culture of modern business players towards critical thinking, creativity, and the implementation of Agile/Scrum principles (team interaction, adaptability, and mobility) is substantiated. The dynamics of business process digitalisation in Ukraine are analysed, and the indicators of financial inclusion based on digital technologies in the Ukrainian financial environment are compared with those in the developed international community.Conclusions: Directions for developing financial security and inclusion through innovative financial technologies are formulated. It is demonstrated that the digitalisation of the business environment serves as a driver of socio-economic development, ensuring financial security and full access to financial services can reduce social inequality, stimulate entrepreneurship, and promote investment activity.

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