Innovations in ensuring the financial stability of the banking system and the economic security of the state

Анотація

The article examines the theoretical and practical principles of implementing innovations in the banking system of Ukraine and determines their impact on the financial stability and economic security of the state. The technological, organizational, financial and regulatory innovations that form a new model of the banking sector, focused on digitalization, increasing the transparency of operations and effective risk management, are analyzed. The role of digital transformation, the development of fintech solutions, e-hryvnia and modern lending models in strengthening the stability of financial institutions, increasing the competitiveness of the banking sector and reducing systemic risks is revealed. It is substantiated that successful innovative modernization requires an integrated risk management system, increasing cyber resilience, updating regulatory approaches and developing a modern digital infrastructure. Practical recommendations are proposed that can serve as the basis for forming an effective strategy for innovative development of the banking system and ensuring the economic security of the state. Research methods. In the process of research, a set of general scientific and special methods was applied, in particular: methods of analysis and synthesis - for the systematic study of theoretical approaches to innovations and financial stability; a systemic approach - to determine the relationships between innovative transformations of banking activity and the economic security of the state; comparative analysis - to assess domestic and foreign experience in the implementation of financial innovations; a statistical method - to assess the dynamics of key indicators of the financial stability of banks; a forecasting method - to form scenarios for the development of innovations in the banking sector and assess their impact on risks. Results. The theoretical and practical aspects of the implementation of innovations in the banking sector are revealed, their impact on the financial stability and economic security of the state is substantiated. Practical recommendations are proposed for the integration of innovative risk management mechanisms, modernization of digital infrastructure, increasing cyber resilience and the development of innovative lending models, which will contribute to increasing the efficiency of the functioning of banks and strengthening the economic security of the country.

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