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September 5, 2025

Evolution of digital banking services in Ukraine: Impact on business development and financial infrastructure

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Observational analysis assesses digital banking services' impact on SMEs' financial access, suggesting improved economic transformation.

Digital banking services significantly increased access to financial resources for SMEs in Ukraine, indicating a transformation in the financial sector.
Analysis reveals that the share of non-cash transactions reached 94.6% in 2024, alongside over 8.65 billion transactions processed.
The study conducted a thorough examination of regulatory frameworks and digitalization trends, emphasizing the role of fintech companies.
Findings highlight the integration of digital banking, with projections indicating that over 80% of banking services for businesses will be digitalized by 2025.

Kostiuk et al. (2025) studied this question.

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