Introduction. Effective health systems make a significant contribution to the economic growth and sustainable development of each country. It is impossible to solve the problems related to the financing of the health care system without assessing its efficiency. Research and implementation of the main directions of improving the efficiency of the health care system involves improving the mechanisms of its assesment. The purpose of the work is to study the theoretical and practical aspects of assessing the health care systems efficiency of the regional European group of countries with economies in transition and developing economies, generalization of existing problems and identification of ways to improve the efficiency of health care systems in these countries, modeling public expenses on health care. Methodology. To achieve this goal, a bibliometric analysis of scientific publications on the research topic was used, method of theoretical generalization – to form a group of key indicators of the health care system, correlation-regression analysis – to build the relationship between public health expenditures per capita and the main indicators of the health care system functioning, cluster analysis – to identify countries with similar health care problems, stochastic frontier analysis (SFA) – to build a ranking of the efficiency of health systems in the countries of the regional European group of countries with economies in transition and emerging economies, panel data model with fixed effects – to identify the impact of local budget revenues on the volume of planned local budget expenditures on health care and the amount of payment from the National Health Service of Ukraine to health care providers. Results. The article reveals the issue of assessing the efficiency of the health care system on the example of a regional European group of countries with economies in transition and developing economies. The article summarizes the main problems related to public funding of health care in Ukraine.

In the dynamic, unpredictable and so changeable modern world, all spheres of life are facing changes. The banking system was not left aside. Implementing innovative fintech solutions was the only option for traditional banking institutions to stay afloat. That's why the new types of banking institutions - neobanks appeared. The term “neobank”, which originated in 2017, refers to a new type of financial institution that provides modern, fast, and flexible services right in a smartphone or messenger. White-label financial services allow fintech and third parties to showcase a stylish, company-branded front end using an established bank license, regulatory compliance, and back-end technology to offer core banking features that compete with large institutions. The article analyzes the advantages and further prospects of the development of neobanks, the difference between white-label and baas solutions, as well as the principle of operation of each of the systems. An analysis of the modern market of platform developers for neobanks was carried out, which made it possible to identify the largest market players from European and Scandinavian countries. As a result of the study, the features of each of the developers of platforms for neobanks and their contribution to the development of the world economy were determined. Also, the article highlights the factors that make white-label solutions the future of online banking. The article mentions important conditions for the development of white-label solutions for neobanks, traditional and non-traditional banks – the improvement of the regulatory framework that would determine the legal status of such kinds of institutions, as well as the conditions for licensing and regulation of their activities. In the article, the most popular providers of neobanks are described. The conducted comparative analysis gave the opportunity to highlight the factors that provide these companies success, as well as to name the current market leaders. Overall, the study made it possible to identify the advantages, disadvantages, and risks of neobanks, and determine factors that provide stable growth for white-lable neobanks as well as prospects for their development.

Global awareness of the climate change risks draws society’s attention to issues of financing environmentally friendly projects. In this context, green bonds are a new financial instrument used exclusively for financing environmentally friendly projects. A wide range of issuers, from small firms to international corporations, can use green bonds to raise funds for environmentally friendly projects. In recent years, the green bonds market has been developing rapidly in the world. Financing the recovery of Ukraine after the Russian invasion and European integration requires launching this market in Ukraine as well. This will increase the scope of infrastructure projects financing in the field of alternative energy and energy efficiency, reduce greenhouse gas emissions and consumption of fuel and energy resources, and improve Ukraine’s investment attractiveness and competitiveness. The green bond market operates under the influence of numerous factors that have both direct and indirect effects on it. The article examines the relationship between the volume of green bond issuance in the world in 2021, when its jump-like growth took place, and the factors that characterize the environmental, social, governance and macroeconomic spheres of the сountry. The research was conducted on the dataset of socio-economic indicators of 54 countries. Correlation and regression analysis was used to determine the cause-and-effect relationship between variables, as well as the variables that have the greatest impact on the volume of green bond issuance. The obtained results of the study indicate that countries with a higher volume of green bond issuance are primarily characterized by good credit ratings, which increases investor confidence, better economic development and a large population. Understanding the socio-economic determinants of green bond issuance will help market participants make informed decisions. The research results can be applied in the process of forming and implementing the state policy of Ukraine to achieve the Sustainable Development Goals.

The educational services market functions under the influence of numerous factors that have both direct and indirect effects on it. In today's conditions, they primarily include the digitalization process, the characteristic feature of which is its impact on all spheres of social life, and the educational services market is no exception. The digitization process ensures the formation of the necessary digital competencies in the population and the employment of qualified personnel in the field of IT. The question of researching the impact of the digitalization process on the development of the educational services market is becoming more and more relevant and is especially acute in the conditions of the COVID-19 pandemic and the Russian invasion of Ukraine. The information base of the conducted research is official statistical data of Eurostat and the European Commission, analytical reports and scientific publications of domestic and foreign authors regarding the connection between the digitization process and the development of the educational services market. In the countries of the European Union, the digitalization process is an integral element of their development, its strategic orientations are defined in the document “Digital Compass 2030: The European Path of the Digital Decade”, which aims to the improvement of digital capabilities in infrastructure and education, as well as in the digital transformation of business and public services . The study was conducted on the dataset of indicators of 27 European countries characterizing the digitalization process and the development of the educational services market in 2021, by modeling structural equations using the PLS-SEM partial least squares method. The results of the conducted research confirmed the existence of a statistically significant positive impact of the digitization process on the development of the educational services market as a whole at the level of the structural model. Such indicators as the level of household Internet access, the employment of IT specialists, state financing of education, and the share of the population with higher education are statistically significant and relevant within the measurement models. Taking into account the European integration vector of Ukraine's development, the research results can be used to harmonize the process of digitalization of the economy and the transformation of the educational services market of Ukraine, in particular in the direction of expanding the level of access to the Internet and stimulating employment in the IT sphere.

Introduction. The relevance of the financial leasing effeciency issues for Ukraine is due to the fact that its economic and social development is largely influenced by the amount of investment in the fixed assets of enterprises, which ensures their competitiveness, contributes to the development of small and medium-sized businesses and the creation of new jobs. The main factor in the attractiveness of leasing operations for the lessee is the amount of leasing payments. The efficiency of leasing operations for the lessee can be determined by comparing the total amount paid under the leasing agreement with the cost of the bank credit. In this context, the application of simulation modeling, in particular such an approach as system dynamics, is relevant to support decision-making in the field of financial leasing. The purpose of the work is to investigate the theoretical and practical aspects of the calculation of leasing payments, to build a system-dynamic model of payment flows for assessing the efficiency of leasing operations, in the calculation of which depreciation assignments are сonsidered according to current legislation. Methodology. To achieve the goal, general scientific methods of theoretical generalization and comparison, methods of induction and deduction were applied – for the analysis of methodical approaches to the calculation of leasing payments, tools of system dynamics – for the analysis and modeling of payment flows of financial leasing and bank credit. We used the methods of calculating depreciation of leased property provided by the current legislation in the calculations of leasing payments. Results. The article discusses the issue of system-dynamic modeling of payment flows of financial leasing and bank credit for assessing the effeciency of leasing operations. The main problems related to the calculation of leasing payments are summarized. It has been established that the use of non-linear depreciation methods in calculations, in particular the method of reducing the residual value, leads to lower costs for the lessee and an increase in the efficiency of the leasing operation for the lessee.