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Financial Compliance in Wartime: Challenges, Risks, and Adaptation Mechanisms
(Тернопіль : Університетська думка, 2025-11-06) Kuzmak, Olena; Kuzmаk, Oleh
Financial compliance plays a key role in ensuring the economic security of the state, the stability of the banking system, and reducing the level of financial crimes. Under martial law in Ukraine, the challenges in the ¿eld of financial compliance have become significantly exacerbated, as the risks of financial crimes, corruption, money laundering, fraud, and illegal financing have increased. The analysis showed that in 2022, cases of money laundering in the amount of more than UAH 20 billion were recorded in Ukraine, as well as a significant increase in financial fraud schemes. At the same time, international experience indicates the need to strengthen digital control and integration into global financial monitoring systems. In response to the threats, the government expanded sanction mechanisms and introduced stricter requirements for financial institutions. According to the results of the study, in 2022, attempts to legalize income of more than 20 billion hryvnias were detected. Compliance functions are actively implemented in sectors such as communications and telecommunications, pharmaceuticals, IT, and retail. The research proves that despite significant progress in strengthening control, there are problems with circumvention schemes, insufficient integration into global anti-corruption systems, and risks of misuse of international aid. Further development of financial compliance should be based on strengthening international cooperation, automating regulatory procedures, and implementing best practices for digital control of financial flows. Financial compliance in Ukraine during the war balances between strict control and the need to support the economy. Ukraine is implementing international standards, adapting financial regulation to crisis conditions, and developing FinTech solutions to ensure stability. In the future, it is necessary to further strengthen control over international financial flows and digital assets.
Financial compliance as a tool to ensure the sustainable development of business in the digital economy
(Вінниця : ВНТУ, 2025) Kuzmаk, Oleh; Kuzmak, Olena
The article examines financial compliance as a key instrument for ensuring sustainable business development in the digital economy. It explores the increasing regulatory requirements, the role of ESG criteria, and the impact of financial process digitalization on compliance mechanisms. Special attention is given to the role of automated compliance tools, artificial intelligence, and RegTech solutions in enhancing transparency, mitigating financial risks, and improving corporate governance. The study highlights the importance of integrating compliance systems with financial monitoring and risk management processes to strengthen business resilience and long-term competitiveness.
Financial compliance as a driver of customer loyalty and sustainable development in the digital economy
(Острог : НаУОА, 2025-09) Kuzmak, Olena; Kuzmаk, Oleh
In the digital economy, financial compliance is transforming from a formal regulatory instrument into a strategic resource that fosters customer loyalty and sustainable development. The relevance of this study is driven by the strengthening of international standards (GDPR, AML, ESG), the growing role of FinTech and RegTech, and the increasing need for companies to enhance transparency and customer trust. The purpose of the article is to analyze financial compliance as a driver of customer loyalty and sustainable development in the context of digitalization. The objectives include examining the role of RegTech solutions, the integration of ESG principles, and their impact on corporate reputation and competitiveness. The research is based on the analysis of academic literature, empirical data, consulting reports (KPMG, The Business Research Company), and case studies of international and Ukrainian financial institutions (N26, PrivatBank, ING). A systemic approach is applied to assess the interrelation between compliance, technologies, and customer experience. Financial compliance, supported by RegTech technologies (AI, blockchain), reduces data processing time by 40-50% and increases customer loyalty by 60% through the optimization of KYC/AML procedures. The integration of ESG principles contributes to a 20% reduction in customer complaints and growth in NPS (e.g., ING: +4-10 points). Practical cases confirm that compliance strengthens corporate reputation and competitiveness. Financial compliance in the digital economy is not only a tool for regulatory conformity but also a strategic resource that builds trust, transparency, and business sustainability. It is recommended to integrate compliance into marketing strategies to strengthen competitive positioning. Future research prospects include the development of methodologies for assessing the impact of compliance on customer loyalty and the analysis of industry-specific differences in its implementation.

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