Uman National University | today: 05/23/2026
| Author(s) | Лебідь І. Ю., , , | ||
|---|---|---|---|
| Category | Economics | ||
| year | 2026 | issue | Issue 108 part 2 |
| pages | 168-177 | index UDK | 336:330.322:338.43 | DOI | 10.32782/2415-8240-2026-108-2-168-177 (Link) |
| Abstract | The article examines the transformation of financial provision for the investment development of Ukraine’s agricultural sector under the influence of the integration of Artificial Intelligence (AI) technologies. It is substantiated that AI acts as a strategic catalyst for enhancing operational transparency, reducing information asymmetry, and providing high-precision analytical support for investment decision-making processes. It is established that technologies such as machine learning, computer vision, and neural networks enable the transformation of production operations into verified data arrays, which serve as an objective basis for assessing the financial stability and creditworthiness of agricultural enterprises. The study analyzes the practical aspects of implementing intelligent systems, in particular demonstrating that such tools contribute to objective asset monitoring and risk reduction, as evidenced by the experience of leading companies, including Kernel and Agroprodservice, as well as the development of renewable energy integration. Particular attention is paid to the digitalization of financial instruments, including the implementation of digital agrarian receipts within the initiatives of the NDU and IFC, which creates a reliable infrastructure for transparent financial flows and automated borrower verification. It is proved that the transition from traditional conservative lending models to AI-driven “data-driven” models ensures more efficient management of investment resources. The article emphasizes the transformative role of digitalization in building a transparent financial ecosystem in which agricultural enterprises, investors, banks, and public institutions interact based on real-time data and unified digital standards. The implementation of AI tools, in particular predictive yield analytics and automated credit scoring, significantly reduces transaction costs and improves the accuracy of financial planning. It is concluded that the synergy of intelligent financial mechanisms and a developed digital infrastructure forms the necessary foundation for the transition of the agricultural sector from a survival model to sustainable, innovative, and high-tech development. In addition, the study substantiates that the future competitiveness of Ukraine’s agricultural sector depends on the widespread adoption of a “data-driven” culture and the effective integration of AI into financial management processes. This requires further development of analytical platforms, expansion of digital investment tools, and strengthening of digital competencies among market participants to function effectively in the global digital environment. The formation of such an integrated intelligent system will enhance the sector’s global competitiveness, ensure resilience to economic volatility, and strengthen long-term investment attractiveness. | ||
| Key words | artificial intelligence; investment development; agribusiness; financial provision; predictive analytics; digital agrarian receipts; machine learning; risk management | ||