Development of the institutional framework for ensuring financial inclusion in Ukraine
Анотація
The article examines the institutional framework for financial inclusion in Ukraine and its evolutionary trajectory. The essence of financial inclusion as a determinant of sustainable development is defined, and its key components are identified. A comprehensive approach to institutional support is formed, encompassing formal, informal, and organizational dimensions. It is clarified that the effectiveness of financial inclusion depends on the coherence of regulatory mechanisms, behavioral factors, and institutional actors. The periodization of institutional development is established, reflecting the transition from foundational structures to a policy-oriented model. It is proven that consumer protection, digitalization, and financial literacy are critical drivers of inclusion. The role of trust and financial culture is substantiated. Prospective directions are outlined.
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