FINANCIAL TRANSFORMATION OF AGRICULTURAL COMPANIES IN THE PROCESS OF INTEGRATION INTO INTERNATIONAL CAPITAL MARKETS IN THE CONTEXT OF THE DEVELOPMENT OF DIGITAL FINANCIAL TECHNOLOGIES

Анотація

The purpose of this article is to study the role of fintech companies in the digital transformation of the Ukrainian economy, in particular in the context of the financial transformation of agricultural companies, analyze the structure of the fintech ecosystem in different market segments and substantiate mechanisms for overcoming challenges while accelerating economic recovery. The study uses systems analysis, sector impact assessment and comparative institutional analysis. It is established that fintech companies are a strategic tool for financial inclusion, reducing the shadow economy, increasing the transparency of financial reporting of enterprises and harmonizing European regulation, which is important in the process of integrating agricultural companies into international capital markets. The study shows that the fintech ecosystem of Ukraine includes digital payments, mobile banking, peer-to-peer lending, insurance technologies and cryptocurrency trading, and state initiatives, including the Diia platform, the Ministry of Digital Transformation, the Cashless Economy Program and the Digital Agenda, provide the basic infrastructure for digital financial transformation. Ukraine has made significant progress in the penetration of fintech companies and the expansion of the market in the areas of financial services, which creates the prerequisites for increasing the investment attractiveness of enterprises, in particular the agricultural sector. Five systemic challenges are classified: cybersecurity vulnerabilities caused by geopolitical tensions, inequality of digital infrastructure between rural and urban areas, gaps in regulatory acts in the field of decentralized finance and artificial intelligence, talent shortage and professional brain drain, as well as the complexity of compliance with sanctions. Four strategic priorities are substantiated: institutional mechanisms for the development of cybersecurity infrastructure, regulatory "sandboxes" that allow for harmonized testing of innovations with the EU, integrated professional skills programs that address the talent shortage, and international cooperation frameworks that promote cross-border regulatory harmonization and integration into international financial markets. It is predicted that a comprehensive strategic intervention will contribute to increasing the efficiency of financial transformation of enterprises, create significant employment opportunities, and ensure the formation of a competitive financial technology environment that supports the economic recovery and integration of Ukraine into the European financial space.

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