Факультет бізнесу та права
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Item type:Монографія, Financial Compliance in Wartime: Challenges, Risks, and Adaptation Mechanisms(Тернопіль : Університетська думка, 2025-11-06) Kuzmak, Olena; Kuzmаk, OlehFinancial 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.