Features of state policy in the financial sphere in the conditions of development of the information society

Анотація

The article examines the features of the formation and implementation of state policy in the financial sphere of Ukraine in the context of the development of the information society. It is noted that in the context of globalization and the rapid development of information and communication technologies, the formation of the information society is becoming one of the key factors in the socio-economic development of the state. It is substantiated that the current digitalization of financial relations, the introduction of financial technologies and the transformation of financial markets significantly change traditional approaches to the formation and implementation of state policy. The regulatory and legal support of state policy in the financial sphere is analyzed, the role of key public administration entities, in particular the National Bank of Ukraine, in ensuring financial stability, information security and the development of digital financial services is determined. Considerable attention is paid to the analysis of international experience in the formation and implementation of state policy in the financial sphere in the context of the information society and the possibilities of its implementation in Ukraine. The research methodology is based on systemic and comprehensive approaches, analysis of regulatory and legal acts, comparative analysis of international practices and synthesis of modern scientific research. The results of the study identify key problems and prospects for improving state policy in the financial sector of Ukraine, taking into account the challenges of digital transformation. The main results of the study indicate a gradual improvement of the existing regulatory environment, however, the need for more flexible theoretical and methodological approaches in the formation and implementation of state policy in the context of digitalization of the financial sector has been identified, which should be aimed at strengthening cybersecurity and protecting personal data. It is proven that in the context of Russian military aggression and the introduction of the legal regime of martial law in Ukraine, the institutional architecture of state policy in the financial sector has undergone a significant transformation, which has acquired the characteristics of a critically important element of national security, which has led to a strengthening of the role of the state in coordinating financial processes, concentrating resources and responding promptly to existing crisis challenges and risks. The conclusions of the article contain recommendations for the transformation of state policy in the context of Ukraine’s European integration, aimed at supporting the sustainable and safe functioning of the financial sector in the digital era. Prospects for further research are related to the development of integrated public policy models that would ensure a balance between innovation, control, and security in the financial sector.

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