Uman National University | today: 12/28/2025
| Author(s) | Лебідь І. Ю., , , | ||
|---|---|---|---|
| Category | Economics | ||
| year | 2025 | issue | Issue 107 part 2 |
| pages | 350-360 | index UDK | 004:336.7:631 | DOI | 10.32782/2415-8240-2025-107-2-350-360 (Link) |
| Abstract | The article examines the impact of financial process digitalization on the investment development of Ukraine’s agricultural sector amid economic transformation and the growing need for production modernization. It is substantiated that digital financial tools act as a catalyst for enhancing operational transparency, ensuring faster access to investment resources, and mitigating risks associated with market instability. The study identifies the key barriers to investment activity, including regulatory uncertainty, production and climate-related risks, insufficient digital infrastructure, and limited access to traditional financial instruments. It is demonstrated that these challenges can be overcome through the implementation of digital platforms that enable efficient management of financial flows and expand investment opportunities for agricultural enterprises. The research summarizes international experience in digital agri-finance, focusing on the practices of the EU, the USA, Canada, China, and Israel. These examples highlight the effectiveness of combining state support, digital services, analytical systems, and partnership-based financing mechanisms. It is determined that adapting such approaches in Ukraine requires infrastructure modernization, regulatory improvements, stimulation of innovation, and broader access of agricultural producers to digital financial tools. Special attention is given to the role of human capital as the foundation of successful digital transformation. The article emphasizes that the effectiveness of technology adoption depends on the level of digital competence, innovative thinking, and the readiness of agricultural sector employees to work with new financial models. It is concluded that the integrated development of digital tools, infrastructure, and human capital can ensure sustainable growth of the investment potential of the agricultural sector and enhance its competitiveness in the global digital environment. Furthermore, the article underscores that digitalization opens new opportunities for building integrated financial ecosystems in which agricultural enterprises, investors, banks, and public institutions interact on the basis of open data, automated services, and unified digital standards. The implementation of such models helps reduce transaction costs, improve the accuracy of analytical forecasting, optimize investment planning, and ensure transparency of financial operations. This creates a foundation for a qualitatively new level of competitiveness in the agricultural sector and strengthens its prospects for integration into global digital markets. | ||
| Key words | digitalization of financial processes; agricultural sector; investment development; digital financial tools; agri-finance; digital platforms; financial infrastructure; innovation; human capital; competitiveness; digital ecosystem; financial flows; analytical systems; risk mitigation; global digital environment | ||