DIGITAL TRANSFORMATION OF THE FINANCIAL MARKET IN THE CONTEXT OF ENSURING INCLUSION

Анотація

One of the central directions of digital transformation is ensuring financial inclusion, that is, expanding access to financial services for socially vulnerable groups: the poor, rural population, small businesses, youth, women, people with disabilities. Digital tools can eliminate traditional barriers associated with geography, high cost of service, bureaucracy or lack of credit history, and thereby contribute to socio-economic equalization. The purpose of the work is to determine the features of the digital transformation of the financial market in the context of ensuring the accessibility of its services. The main methods, analysis, synthesis, logical, mathematical methods, visualization method. Digital inclusion is also accompanied by new challenges: digital inequality, low level of digital literacy, risks of fraud, cybersecurity and the need to improve the regulatory environment. In this context, scientific research into the mechanisms and consequences of the digital transformation of the financial market, taking into account the task of achieving inclusive economic growth, is relevant. Thus, the digital transformation of the financial market in the context of inclusion is extremely important both for the formation of public policy and for the development of a strategy for the socially responsible development of financial institutions in the digital era.

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