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Financial innovations as a factor in transformation of monetary and credit systems of countries in the conditions of digitization of the financial sector
(Одеса: Гельветика, 2026-04-09) Ishchuk, Lesia; Polishchuk, Vadym
The article examines financial innovations as a key factor in the transformation of monetary systems in the context of the digitalization of the financial sector. It is established that the rapid development of digital technologies significantly affects the functioning of financial markets and monetary regulation mechanisms. The study analyzes the impact of FinTech technologies, digital payment systems, blockchain, artificial intelligence and big data on the modernization of financial intermediation and monetary policy instruments. Particular attention is paid to the role of central bank digital currencies in improving the payment infrastructure and strengthening financial stability. A correlation of modern financial innovations with traditional monetary policy instruments is also carried out. A comparison of the technological features of central bank digital currencies (CBDCs) is proposed and a new classification of CBDCs is provided. The study proves that financial innovations contribute to the formation of a new architecture of monetary systems based on digital technologies and innovative financial instruments.

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