Digitalization of banking services in Ukraine: trends, challenges and development prospects

作者：I. Bitner, Nadiia Viadrova, Iryna Dobrovolska · 发表于：Actual problems of innovative economy and law · 年份：2026 · DOI：10.36887/2524-0455-2026-2-4 · 被引用次数：1

The article investigates the current state, trends, and prospects of digitalization of banking services in Ukraine amid a full-scale armed invasion and the country’s European integration course. The relevance of the study is driven by the rapid transformation in the banking sector, shaped by technological innovations, shifting consumer behavior, escalating security challenges, and the need to adapt to European Union standards. In circumstances where physical banking infrastructure is being destroyed, and millions of citizens are internally displaced, digitalization has transformed from a competitive advantage into a condition for the operational survival of financial institutions. The purpose of the article is to provide a comprehensive analysis of the key trends of digital transformation in Ukraine’s banking sector, identify the main challenges along this path, determine strategic development directions over the 2025–2028 horizon, and formulate practical recommendations for banking institutions. To achieve this goal, the methods of systemic analysis, statistical generalization, comparative analysis, and forecasting were applied. The research findings establish that Ukraine demonstrates one of the highest levels of digital banking service penetration in Central and Eastern Europe. The share of cashless payment card transactions by number reached 94.6% in 2024 (8,184.8 million transactions worth UAH 4,243.5 billion), rising further to 95.5% by the end of 2025. The total number...