DEVELOPMENT TRENDS OF THE FINANCIAL TECHNOLOGY MARKET IN UKRAINE UNDER CURRENT CONDITIONS

The concept of «financial technologies» in a broad sense is analyzed in the article. Also the structure of the complex ecosystem of financial technologies is described in the article. The analysis of the current trends in the development of the financial technology market in Ukraine is done. The analysis of the distribution of fintech companies by areas of activity has shown that the most important are companies operating in the field of technology and infrastructure (22%). The second place is held by fintech companies in the field of payments and money transfers, with a share of 19% in the overall structure. And the third place is held by fintech companies in the field of personal and consumer lending (14%). The analysis of the sources of funding of financial technology companies in Ukraine found out that the main source is their own funds (66%), in addition, companies use funds of private investors (18%), funding by business accelerators (5%), funding by donor programs and venture capital funds (3%), and a small part of companies uses family investments (1%). An analysis of the dynamics of global investment activity in financial technologies in 2020–2022 found out that the amount of transactions of international investments into financial technologies at the end of 2021 was almost twice as high as in the previous year. Taking into account the crisis caused by military operations in the country, in 2022 the indicators tended to decline, but compared to the level of 2021, their level was higher than in 2020. The factors that contributed to the rapid development of financial technologies in Ukraine, despite the impact of the pandemic and hostilities, are presented. It is found that these factors, on the one hand, had a negative impact on economic growth, but on the other hand, they contributed to the development of new services and the development of financial technologies in the context of quarantine and now military restrictions.