Uman NUH | today: 12/21/2024
| Author(s) |
Ulyanych Y.V., Candidate of Economics, , Uman National University of Horticulture, Ukraine Ulyanych K.F., Candidate of Economics, , Uman National University of Horticulture, Ukraine Цимбалюк Ю. А., , , Huzar B.S., Candidate of Economics Sciences, , Дяченко М. О., , , |
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| Category | Economics | ||
| year | 2024 | issue | Issue 105 part 2 |
| pages | 186-192 | index UDK | 3365: 33. 347.7 336.1 | DOI | 10.32782/2415-8240-2024-105-2-186-192 (Link) |
| Abstract | The article discusses the theoretical foundations of digital financial services. According to Google Trends, the author analyzes the tendency of exceeding the popularity of queries on “digital financial services” over “mobile financial services”, and establishes that fintech companies are now a necessary component of digital financial services, and digital financial services themselves are provided by new players in the financial sector, such as fintech firms (digital banks, P2P and online lending platforms, other tech companies); large technology companies (mobile network operators, e-commerce platforms, social media providers, online search engines); traditional financial institutions (banks, insurers and asset management companies) developed in the digital sphere. It is noted that today there is a gradual evolution and expansion of the essence of digital financial services from the simplest transactional operations of transferring funds via mobile phone to the integrated use of digital technologies in the provision of a wide range of financial services. It is summarized that digital financial services represent a combination of key characteristics of digital, financial and traditional services, products and services provided by fintech companies as a result of the synergy of business models of digital economy, network and information and communication technologies and the corresponding development of socio-economic relations within the globalized world and the processes of formation of the information society. | ||
| Key words | financial services, digital products, fintech, technology, financial solutions, fintech companies | ||