DIGITAL GOVERNANCE AND FINTECH INFRASTRUCTURE IN WARTIME: RECONFIGURING UKRAINE`S TECHNO-POLITICAL ARCHITECTURE

Анотація

As physical infrastructure crumbled under full scale invasion of 2022, Ukraine built a new digital infrastructure, forging a model of governance and finance that grew stronger through disorder. It engineered a digital leap forward, transforming existential threat into a catalyst for systemic innovation. Using Ukraine's wartime response as a case study, this article examines how integrated digital public infrastructure can counteract systemic fragmentation. We argue that the synergistic merger of state-driven digital governance, exemplified by the Diia platform, with a resilient, state-owned financial pillar – specifically PrivatBank`s core digital functionality - created a novel institutionalized and rules-based architecture. This techno-political approach enabled the creation of a hybrid financial system where a robust digital layer not only secured but exponentially extended the reach of traditional banking infrastructure. The result was ensuring continuity and fostering unprecedented financial inclusion despite fragmented infrastructure and widespread physical destruction caused by war. The research employs a qualitative analysis of policy frameworks, including Ukraine's FinTech Development Strategy, and institutional evolution to demonstrate how crisis catalyzed systemic change. Findings reveal that the Diia-PrivatBank nexus facilitated the rapid, transparent disbursement of critical state aid, de-risked mass digital adoption, and established the core components for an advanced FinTech ecosystem: verified digital identity, cloud-based resilience, and a digitally-literate user base. Ukraine's subsequent rise in international rankings - to 5th place in the UN E-Government Development Index and 1st in the EU's Open Data Maturity report - provides empirical validation of this model's effectiveness.

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