Цифрова трансформація фінансових технологій: виклики та можливості

Abstract

The monograph examines current trends in the digital transformation of the financial sector and their impact on the restructuring of global and national financial systems. Particular attention is paid to the development of private cryptocurrency markets, regulatory challenges, and potential macroeconomic implications of their functioning. The study explores institutional changes driven by the adoption of blockchain technology, fintech solutions, decentralized finance (DeFi), stablecoins, and central bank digital currencies. The impact of these innovations on the structure and dynamics of the global financial system is analyzed. Special focus is placed on cybersecurity issues in the financial sector and risks associated with cryptocurrencies, including cybercrime and regulatory challenges. The monograph identifies key challenges and prospects of digital transformation in finance and outlines possible scenarios for the emergence of a digital Bretton Woods framework as a new institutional platform of the global financial order. The study summarizes contemporary financial innovations and presents a vision of strategic directions for the development of financial markets in the context of the digital economy.