THE SYSTEMIC IMPACT OF DIGITAL FINANCIAL TECHNOLOGIES ON FINANCIAL ARCHITECTURE

Анотація

The article investigates the systemic impact of digital financial technologies on the transformation of financial architecture. The purpose of the study is to theoretically and methodologically substantiate the role of digital financial technologies as a system-forming factor in the transformation of financial architecture and to determine their impact on ensuring the stability and efficiency of the financial ecosystem. The study substantiates that digital financial technologies go beyond instrumental use and acquire systemic significance, influencing the structure of financial markets, mechanisms for redistribution of financial resources, the institutional configuration of the financial sector and approaches to state regulation. The multilevel nature of the transformational effects of digital financial technologies at the macro-, meso-, micro- and mini-levels of the financial ecosystem is revealed. It is established that at the macroeconomic level, digital financial technologies form the prerequisites for increasing financial stability and the efficiency of macro-financial policy; at the meso-economic level, they contribute to institutional transformations and the formation of a network financial infrastructure; at the micro and mini levels - ensure increased accessibility

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