THE ENTREPRENEURIAL POTENTIAL OF THE FINTECH ECOSYSTEM IN ENSURING THE SUSTAINABILITY OF THE NATIONAL ECONOMY
Abstract
The article presents a scientific study of the entrepreneurial potential of the FinTech ecosystem as a fundamental driver for the strategic resilience and structural modernization of the national economic system. In conditions of global instability, traditional financial mechanisms are losing effectiveness, requiring a transition to integrated digital platforms and adaptive business models. It is argued that the realization of entrepreneurial potential within the FinTech environment is a key factor in the transformation of the national economic architecture. The research employs systemic observation and logical analysis to conceptualize the mechanisms by which digital innovations enhance macroeconomic stability. It is substantiated that the basis for optimizing the national business landscape is the transition from rigid financial structures to dynamic value creation networks. Synergy arises from the integration of entrepreneurial initiatives with digital platforms, transforming the financial space into a strategic generator of economic growth. The paper systematizes key imbalances – institutional, technological, and competence-based – that hinder the emergence of synergy between the financial sector and the real economy. A methodological approach is proposed to assess the impact of the FinTech ecosystem on economic stability through indicators of resource allocation efficiency and the reduction of transaction costs. It is proven that the entrepreneurial potential of FinTech allows for the optimization of capital turnover while simultaneously increasing the adaptive capacity of the economic system to external shocks. The authors formulate strategic vectors for overcoming structural imbalances, including the convergence of financial and innovative policies. The study confirms that during 2023–2025, there has been a steady trend toward the reconfiguration of the business landscape, providing strategic resilience and competitive advantages for the national economy in a turbulent environment.
References
Бабенко А., Вовк Є., Марченко Б. Фактори та виклики розвитку fintech-індустрії. Економіка та суспільство. 2024. № 61. DOI: https://doi.org/10.32782/2524-0072/2024-61-128
Білик В. Фінансово-економічна стійкість як умова формування потенціалу розвитку інноваційного бізнесу в умовах війни. Herald of Khmelnytskyi National University. Economic Sciences. 2024. Вип. 330, № 3. С. 9–14. DOI: https://doi.org/10.31891/2307-5740-2024-330-1
Житар М. О. Ринок fintech в Україні: особливості, шляхи та перспективи розвитку. Європейський науковий журнал економічних та фінансових інновацій. 2024. № 1(13). С. 4–12. DOI: https://doi.org/10.32750/2024-0101
Крахмальова Н., Слонопас В. Особливості формування підприємницького потенціалу в контексті сталого розвитку. Проблеми інтеграції освіти, науки та бізнесу в умовах глобалізації. 2023. С. 161–163.
Кретов Д. Вплив необанків та фінтехкомпаній на діяльність традиційних банків. Науковий вісник Полтавського університету економіки і торгівлі. Серія «Економічні науки». 2025. № 1 (115). С. 70–76. DOI: https://doi.org/10.37734/2409-6873-2025-1-10
Лановенко Є. FINTECH в Україні як рушій інновацій безготівкових розрахунків. Молодий вчений. 2025. № 5 (136). DOI: https://doi.org/10.32839/2304-5809/2025-5-136-38
Стратегія розвитку фінтеху в Україні до 2025 року. Національний банк України, 2025. URL: https://bank.gov.ua
Трансформація фінансових ринків у цифровій економіці: роль необанків та штучного інтелекту / I. Tiutiunyk et al. Європейський науковий журнал економічних та фінансових інновацій. 2025. № 4 (18). С. 733–744. DOI: https://doi.org/10.32750/2025-0462
Український фінтех у цифрах і фактах 2025. Fintech Insider, 2025. URL: https://fintechinsider.com.ua
Федишин М. П., Журко Р. В., Лобко О. М. Роль фінтех у розвитку фінансового ринку в Україні. Актуальні проблеми розвитку регіональної економіки. 2024. № 2 (20). С. 278–291. DOI: https://doi.org/10.15330/apred.2.20.278-291
Chen Y., Li X., Wang H. Digital finance for economic resilience: The uneven impact of Fintech on Chinese cities. Frontiers in Sustainable Cities. 2023. Vol. 5, Art. 14567. DOI: https://doi.org/10.3389/frsc.2023.14567
Li V., Wu W.–J., Zhang D. FinTech and growth: The role of digital finance in promoting economic development. Journal of Financial Transformation, 2023. Vol. 58. P. 45–59.
Sharma R., Kaur M. The significance and future development prospects of the FinTech industry in Ukraine. International Scientific Journal of Management and Economics. 2025. Vol. 12, No. 1. P. 87–103.
Ukrainian FinTech Catalog 2025. Ukrainian Association of FinTech and Innovation Companies, 2025. https://fintechua.org/ukrainianfintechcatalog2025
World Bank Group Global Market Survey: Digital Technology and the Future of Finance / E. Feyen et al. World Bank, 2022, 120 p.
Babenko, A., Vovk, Ye., & Marchenko, B. (2024) Faktory ta vyklyky rozvytku fintech-industrii [Factors and challenges of fintech industry development]. Ekonomika ta suspilstvo, no. 61. DOI: https://doi.org/10.32782/2524-0072/2024-61-128 (in Ukrainian)
Bilyk, V. (2024) Finansovo-ekonomichna stiikist yak umova formuvannia potentsialu rozvytku vitchyznianoho innovatsiinoho biznesu v umovakh viiny [Financial and economic stability as a condition for the formation of the development potential of domestic innovative business in wartime conditions]. Herald of Khmelnytskyi National University. Economic Sciences, vol. 330(3), pp. 9–14. DOI: https://doi.org/10.31891/2307-5740-2024-330-1 (in Ukrainian)
Zhytar, M. O. (2024) Rynok fintech v Ukraini: osoblyvosti, shliakhy ta perspektyvy rozvytku [Fintech market in Ukraine: features, ways and development prospects]. Yevropeiskyi naukovyi zhurnal ekonomichnykh ta finansovykh innovatsii, no. 1(13), pp. 4–12. DOI: https://doi.org/10.32750/2024-0101 (in Ukrainian)
Krakhmaliova, N., & Slonopas, V. (2023) Osoblyvosti formuvannia pidpryiemnytskoho potentsialu v konteksti staloho rozvytku [Features of the formation of entrepreneurial potential in the context of sustainable development]. Problemy intehratsii osvity, nauky ta biznesu v umovakh hlobalizatsii, pp. 161–163. (in Ukrainian)
Kretov, D. (2025) Vplyv neobankiv ta fintekhkompanii na diialnist tradytsiinykh bankiv [The impact of neobanks and fintech companies on the activities of traditional banks]. Scientific Bulletin of PUET. Economic Sciences, vol. 1(115), pp. 70–76. DOI: https://doi.org/10.37734/2409-6873-2025-1-10 (in Ukrainian)
Lanovenko, Ye. (2025) FINTECH v Ukraini yak rushii innovatsii bezhotivkovykh rozrakhunkiv [FINTECH in Ukraine as a driver of innovations in cashless payments]. Molodyi vchenyi, no. 5(136). DOI: https://doi.org/10.32839/2304-5809/2025-5-136-38 (in Ukrainian)
National Bank of Ukraine (2025) Stratehiia rozvytku fintekhu v Ukraini do 2025 roku [Strategy for FinTech development in Ukraine until 2025]. Available at: https://bank.gov.ua (in Ukrainian)
Tiutiunyk, I., et al. (2025) Transformatsiia finansovykh rynkiv u tsyfrovyi ekonomitsi: rol neobankiv ta shtuchnoho intelektu [Transformation of financial markets in the digital economy: the role of neobanks and artificial intelligence]. Yevropeiskyi naukovyi zhurnal ekonomichnykh ta finansovykh innovatsii, no. 4(18), pp. 733–744. DOI: https://doi.org/10.32750/2025-0462 (in Ukrainian)
Fintech Insider (2025) Ukrainskyi fintekh u tsyfrakh i faktakh 2025 [Ukrainian FinTech in figures and facts 2025]. Available at: https://fintechinsider.com.ua (in Ukrainian)
Fedyshyn, M. P., Zhurko, R. V., & Lobko, O. M. (2024) Rol fintekh u rozvytku finansovoho rynku v Ukraini [The role of fintech in the development of the financial market in Ukraine]. Aktualni problemy rozvytku rehionalnoi ekonomiky, vol. 2(20), pp. 278–291. DOI: https://doi.org/10.15330/apred.2.20.278-291 (in Ukrainian)
Chen, Y., Li, X., & Wang, H. (2023) Digital finance for economic resilience: The uneven impact of Fintech on Chinese cities. Frontiers in Sustainable Cities, vol. 5, Art. 14567. DOI: https://doi.org/10.3389/frsc.2023.14567
Li, V., Wu, W.–J., & Zhang, D. (2023) FinTech and growth: The role of digital finance in promoting economic development. Journal of Financial Transformation, vol. 58, pp. 45–59.
Sharma, R., & Kaur, M. (2025) The significance and future development prospects of the FinTech industry in Ukraine. International Scientific Journal of Management and Economics, vol. 12(1), pp. 87–103.
Ukrainian Association of FinTech and Innovation Companies (2025) Ukrainian FinTech Catalog 2025. Available at: https://fintechua.org/ukrainianfintechcatalog2025
Feyen, E., et al. (2022) World Bank Group Global Market Survey: Digital Technology and the Future of Finance. World Bank, 120 p.
Copyright (c) 2026 Т. Д. Нечипоренко, Ю. Ю. Дембовська
This work is licensed under a Creative Commons Attribution 4.0 International License.
