THE IMPACT OF FINANCIAL TECHNOLOGIES ON THE DEVELOPMENT OF DIGITAL LENDING IN UKRAINE

Introduction. In the modern financial world, digitalization has become a key factor radically transforming approaches to lending and financial management. The introduction of financial technologies (FinTech) creates new opportunities to improve the accessibility of financial services, particularly digital lending, which serves as a lifeline for small and mediumsized businesses as well as individuals with limited access to traditional financial institutions. However, the growth of financial technologies brings several challenges, such as the need to enhance transparency, ensure cybersecurity, and establish effective regulation. This article focuses on analyzing the impact of FinTech and blockchain technologies on the development of digital lending in Ukraine, offering innovative solutions for their implementation.