The research relevance is determined by the rapid digitalisation of Ukraine's financial sector and the need to provide small and medium-sized businesses with effective tools for accessing finance in the context of economic transformation. The study aimed to assess the impact of digital banking services on SMEs’ access to finance in Ukraine. For this purpose, a comprehensive analysis of the regulatory framework, statistical data on the share of non-cash transactions, the activity of financial technology companies, and digitalisation trends in the banking sector was conducted. An analysis of statistics for 2023-2024 showed that the share of non-cash transactions with payment cards reached 94.6% by number, and the total number of such transactions was 8.65 billion in 2024. The number of identifications through the NBU’s BankID system more than doubled from 42.9 million in 2023 to 87.7 million in 2014. The mobile apps of the largest banks, including Monobank and Privat24, were downloaded more than 10 million times each in 2024. In 2024, entrepreneurs received more than 16,000 loans worth more than 62 billion UAH under the Affordable Loans 5-7-9% programme. In 2025, the level of digitalisation of banking services for business in the regions of Ukraine will exceed 80%. These results indicate a deep integration of digital banking services into the financial activities of small and medium-sized businesses, a significant increase in access to financial resources, and a significant increase in financial inclusion. The practical significance of the study is the creation of a framework for improving the digital financial infrastructure, which will contribute to the further development and increase the availability of financing for small and medium-sized businesses in Ukraine
Kostiuk et al. (Mon,) studied this question.
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