{"id":"https://openalex.org/W4240141198","doi":"https://doi.org/10.32843/bses.64-23","title":"FINANCIAL TECHNOLOGIES: GLOBAL TRENDS AND LESSONS FOR UKRAINE","display_name":"FINANCIAL TECHNOLOGIES: GLOBAL TRENDS AND LESSONS FOR UKRAINE","publication_year":2021,"publication_date":"2021-01-01","ids":{"openalex":"https://openalex.org/W4240141198","doi":"https://doi.org/10.32843/bses.64-23"},"language":"en","primary_location":{"id":"doi:10.32843/bses.64-23","doi":"https://doi.org/10.32843/bses.64-23","is_oa":true,"landing_page_url":"http://doi.org/10.32843/bses.64-23","pdf_url":"https://doi.org/10.32843/bses.64-23","source":{"id":"https://openalex.org/S4210224301","display_name":"Black Sea Economic Studies","issn_l":"2524-0897","issn":["2524-0897","2524-0900"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4327874101","host_organization_name":"Black Sea Research Institute of Economics and Innovation","host_organization_lineage":["https://openalex.org/P4327874101"],"host_organization_lineage_names":["Black Sea Research Institute of Economics and Innovation"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Black Sea Economic Studies","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://doi.org/10.32843/bses.64-23","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5024243533","display_name":"Valentyna Unynets-Khodak\u0456vska","orcid":"https://orcid.org/0000-0001-7263-9637","observed_orcids":["https://orcid.org/0000-0001-7263-9637"]},"institutions":[{"id":"https://openalex.org/I4210087881","display_name":"State Tax University","ror":"https://ror.org/004ezwb23","country_code":"UA","type":"education","lineage":["https://openalex.org/I4210087881"]}],"countries":["UA"],"is_corresponding":true,"raw_author_name":"Valentyna Unynets-Khodakivska","raw_affiliation_strings":["University of State Fiscal Service of Ukraine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of State Fiscal Service of Ukraine","institution_ids":["https://openalex.org/I4210087881"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5024243533"],"corresponding_institution_ids":["https://openalex.org/I4210087881"],"apc_list":null,"apc_paid":null,"fwci":0.3059,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.59630607,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":93},"biblio":{"volume":null,"issue":"64","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.7759000062942505,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.7759000062942505,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.22390000522136688,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9279999732971191},{"id":"https://openalex.org/keywords/financial-innovation","display_name":"financial innovation","score":0.8180000185966492},{"id":"https://openalex.org/keywords/regulatory-sandboxes","display_name":"regulatory sandboxes","score":0.6990000009536743},{"id":"https://openalex.org/keywords/digital-strategy","display_name":"digital strategy","score":0.7889999747276306},{"id":"https://openalex.org/keywords/digitalization","display_name":"digitalization","score":0.800000011920929},{"id":"https://openalex.org/keywords/financial-regulation","display_name":"financial regulation","score":0.3490000069141388}],"concepts":[{"id":"https://openalex.org/C2777526511","wikidata":"https://www.wikidata.org/wiki/Q691543","display_name":"Pace","level":2,"score":0.6981602311134338},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.5866569876670837},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.5754076838493347},{"id":"https://openalex.org/C182306322","wikidata":"https://www.wikidata.org/wiki/Q1779371","display_name":"Order (exchange)","level":2,"score":0.5410195589065552},{"id":"https://openalex.org/C188198153","wikidata":"https://www.wikidata.org/wiki/Q1613840","display_name":"Limiting","level":2,"score":0.5275404453277588},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5110551118850708},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.4906240999698639},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.42637479305267334},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3895334005355835},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.36835068464279175},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2756216526031494},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.08979833126068115},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.08870649337768555},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C13280743","wikidata":"https://www.wikidata.org/wiki/Q131089","display_name":"Geodesy","level":1,"score":0.0},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.32843/bses.64-23","doi":"https://doi.org/10.32843/bses.64-23","is_oa":true,"landing_page_url":"http://doi.org/10.32843/bses.64-23","pdf_url":"https://doi.org/10.32843/bses.64-23","source":{"id":"https://openalex.org/S4210224301","display_name":"Black Sea Economic Studies","issn_l":"2524-0897","issn":["2524-0897","2524-0900"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4327874101","host_organization_name":"Black Sea Research Institute of Economics and Innovation","host_organization_lineage":["https://openalex.org/P4327874101"],"host_organization_lineage_names":["Black Sea Research Institute of Economics and Innovation"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Black Sea Economic Studies","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.32843/bses.64-23","doi":"https://doi.org/10.32843/bses.64-23","is_oa":true,"landing_page_url":"http://doi.org/10.32843/bses.64-23","pdf_url":"https://doi.org/10.32843/bses.64-23","source":{"id":"https://openalex.org/S4210224301","display_name":"Black Sea Economic Studies","issn_l":"2524-0897","issn":["2524-0897","2524-0900"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4327874101","host_organization_name":"Black Sea Research Institute of Economics and Innovation","host_organization_lineage":["https://openalex.org/P4327874101"],"host_organization_lineage_names":["Black Sea Research Institute of Economics and Innovation"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Black Sea Economic Studies","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6773999929428101,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4240141198.pdf","grobid_xml":"https://content.openalex.org/works/W4240141198.grobid-xml"},"referenced_works_count":3,"referenced_works":["https://openalex.org/W2770065682","https://openalex.org/W2944338550","https://openalex.org/W3145963623"],"related_works":["https://openalex.org/W7160265757","https://openalex.org/W4406590353","https://openalex.org/W4389817000","https://openalex.org/W7006840676","https://openalex.org/W7198504778","https://openalex.org/W7162625487","https://openalex.org/W7140549661","https://openalex.org/W3046376191","https://openalex.org/W7162667311","https://openalex.org/W3110131292"],"abstract_inverted_index":{"Trends":[0],"in":[1,13,21,35,77,103,110,211,215,226,235,255,321],"the":[2,28,38,62,85,89,93,95,104,115,123,131,138,159,169,182,202,212,219,222,227,232,264,267,283,315,318,325],"penetration":[3,44],"of":[4,30,37,45,61,88,97,106,125,133,171,176,184,186,204,206,224,231,266,269,273,285,289,300,317,323],"financial":[5,46,74,156,209],"innovations":[6,47],"into":[7,48,208],"global":[8,23,49,213],"markets":[9,50,66],"have":[10,191,259],"been":[11,192],"analyzed":[12,193],"this":[14,126,244,290],"article.":[15],"The":[16,43,80,128,174,248],"prerequisites":[17,129],"for":[18,73,130,142,221,263],"their":[19,162],"growth":[20],"a":[22,54,59,179,261,270,280,298,307],"format":[24],"were":[25,33,108,135,144,199],"identified":[26],"when":[27,153],"positions":[29],"different":[31],"countries":[32],"compared":[34],"terms":[36,322],"Digital":[39],"Adoption":[40],"Index":[41],"2019.":[42],"is":[51,279,292,311],"proceeding":[52],"at":[53],"rather":[55],"fast":[56],"pace":[57],"as":[58],"result":[60],"fact":[63],"that":[64,120,149,251],"some":[65],"become":[67],"less":[68],"attractive":[69],"or":[70],"too":[71],"expensive":[72],"institutions,":[75],"especially":[76],"post-crisis":[78],"conditions.":[79],"current":[81],"trends":[82,198],"point":[83,183,203],"to":[84,112,217,240,305,313],"progressive":[86],"development":[87,223,265],"FinTech":[90,107,134,225,233],"market.":[91],"In":[92],"article,":[94],"opinions":[96],"various":[98],"authors":[99],"who":[100],"conducted":[101],"research":[102],"field":[105,262],"studied":[109,200],"order":[111,216],"find":[113,241],"out":[114,239,242],"main":[116],"features":[117],"and":[118,137,140,151,189,194,296,330,335],"characteristics":[119],"make":[121],"up":[122],"essence":[124],"term.":[127],"introduction":[132],"justified":[136],"advantages":[139],"disadvantages":[141],"it":[143],"identified.":[145],"It":[146,310],"was":[147,237],"found":[148],"banks":[150],"companies,":[152],"testing":[154],"modern":[155],"technologies,":[157],"face":[158],"challenge":[160],"limiting":[161],"actions.":[163],"Therefore,":[164],"attention":[165],"has":[166,246],"focused":[167],"on":[168],"implementation":[170],"regulatory":[172],"Sandbox.":[173],"benefits":[175],"implementing":[177],"such":[178],"tool":[180],"from":[181,201],"view":[185,205],"business,":[187],"customers":[188],"government":[190],"summarized.":[195],"Investment":[196],"activity":[197],"investing":[207],"technologies":[210],"market":[214,234,245],"substantiate":[218],"prospects":[220],"future.":[228],"An":[229],"analysis":[230],"Ukraine":[236],"carried":[238],"how":[243],"developed.":[247],"rapid":[249],"changes":[250],"are":[252],"taking":[253],"place":[254],"connection":[256],"with":[257],"digitalization":[258],"created":[260],"concept":[268],"bimodal":[271,286],"architecture":[272],"corporate":[274],"IT,":[275],"but":[276],"now":[277,293],"there":[278],"question":[281],"about":[282],"imperfection":[284],"systems.":[287],"Discussion":[288],"issue":[291],"very":[294],"relevant":[295],"causes":[297],"lot":[299],"discussion,":[301],"because":[302],"companies":[303],"need":[304],"develop":[306,314],"digital":[308,319,326,328],"strategy.":[309],"proposed":[312],"parameters":[316],"strategy":[320],"substantiating":[324],"core,":[327],"products":[329],"assets,":[331],"creating":[332],"communication":[333],"channels":[334],"business":[336],"networks.":[337]},"counts_by_year":[{"year":2024,"cited_by_count":1}],"updated_date":"2026-09-05T08:02:43.246662","created_date":"2022-05-12T00:00:00"}
