Management and Legal Aspects of the Symbiosis of Banking Institutions and Fintech Companies in the Credit Services Market in the Context of Digitization

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dc.contributor.authorVOVK, Viktoriia
dc.contributor.authorDenysova, Alina
dc.contributor.authorhttps://orcid.org/0000-0001-5551-9297
dc.contributor.authorRudoi, Kateryna
dc.contributor.authorKYRYCHENKO, TETIANA
dc.date.accessioned2022-07-20T10:49:31Z
dc.date.available2022-07-20T10:49:31Z
dc.date.issued2021
dc.description.abstractThe article examines the features of banks' lending activities and substantiates the prerequisites for strengthening their cooperation with financial companies, systematizes internal and external innovations used in the process of digitalization of the banking business. The periodization of the banking system from 2005 to the present in accordance with the strategic development goals and stages of the bank's life cycle has allowed to justify the relevant digitalization policy, appropriate for each period. It has been proved that the symbiosis of banks and fintech companies helps to increase the competitiveness and profitability of business in the long run. The importance of introduction of banking innovations in the crediting market as the most profitable direction of banking activity has been substantiated, the forecast of change in net interest income of Ukrainian banks for the post-pandemic period has been made. Based on the fact that the indicator of the country's success in implementing the norms and measures of the Digital Agenda for the EU and Digital Single Market is the Digital Economy and Society Index (DESI), which is determined for each EU country annually, the paper makes forecast changes in its components: Connectivity, Human Capital, Use of Internet, Integration of Digital Technology, Digital Public Services. The main factors that inhibit the processes of strengthening the interaction between banks and FinTech companies in Ukraine have been identified. The expediency of improving the current legislation of Ukraine taking into account the best European practices in the field of cooperation between banks and FinTech companies has been substantiated.uk_UA
dc.identifier.citationVOVK V. et al. Management and Legal Aspects of the Symbiosis of Banking Institutions and Fintech Companies in the Credit Services Market in the Context of Digitization. Studies of Applied Economics. 2021. Volume 39-7.uk_UA
dc.identifier.urihttp://dspace.oduvs.edu.ua/handle/123456789/2711
dc.subjectBank; FinTech companies; Legislation; Legal regulation; Сompetition; Credit services market; Digitization; FinTech-innovations; Financial and economic crisis; Coronavirus COVID-19 pandemic.uk_UA
dc.subjectбанк; компанії FinTech; законодавство; правове регулювання; конкуренція; ринок кредитних послуг; оцифровка; FinTech-інновації; фінансово-економічна криза; Пандемія коронавірусу COVID-19.uk_UA
dc.titleManagement and Legal Aspects of the Symbiosis of Banking Institutions and Fintech Companies in the Credit Services Market in the Context of Digitizationuk_UA
dc.typeArticleuk_UA
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