Introduction. In recent years, digitalization is one of the defining trends of the development in the leading countries of the world. The development of information economy is influenced by a combination of factors; however, the most powerful is an educational dominant. The higher education institutions (HEIs) carry out training activities for information economy, the development of digital skills of the personnel, as well as carrying out studies of the personnel’s digital skills, and conducting research, generating innovations and their transfer to the real sector of economy. The purpose of the paper is to analyze the impact of higher education on the dynamics of information economy on the example of Latvia with further identification of the best practices and their adaptation to the Ukrainian social and economic conditions. The research methodology is conditioned by the implementation of the in-depth comparative analysis of the development of higher education systems in Latvia and Ukraine; within the study, were used the method of constructing cubic regression models of the relationship between indicators. The hypothesis: 1) there is an objective interaction between the level of economic development of the country and the amount of public funding for higher education; 2) the information economy development is largely determined by the level of higher education development, and funding for research at HEIs. Results. The study revealed the following constraints on the development of the national higher education system: complex geopolitical, demographic, migration situation, which affects the parameters of the student body of HEIs; low competitiveness level of HEIs in the global educational services market; low level of financial autonomy of HEIs; lack of financing, low level of diversification of the financing sources for HEIs, etc. These problems negatively affect the pace of the information economy development in Ukraine. The authors proved that the Latvian experience in the implementation of the digitalization strategy could be useful for Ukraine, because of some similar economic, social, mental, historic conditions and factors of development of both countries. The calculations on the econometric models of relationship between funding and basic indicators of higher education development in Ukraine and Latvia showed: the amount of funding for higher education systems does not depend on the number of HEIs; the number of students depends on the amount of public funding (this indicates the important role of the state in the higher education development, in increasing the level of accessibility of higher education for citizens); close relationship between the amount of funding for higher education and the number of graduate students; positive trend in funding for higher education. Conclusions. The authors conclude that strengthening the impact of the educational dominant on the information economy development requires: ensuring a proactive position of HEIs (by modernizing their educational, research and innovation activities); activating the role of the government sector in protection of intellectual property, stimulating the development of innovatively active enterprises and their cooperation with universities, involving investments in the development of the HEIs’ innovative infrastructure, commercialization of innovative results of the research in the real sector of the economy.

In particular, the process of adapting commercial banks to rapidly changing macroand micro-conditions is of particular importance in the context of the economic and banking sector crisis phenomena, which in turn affects the quality and, accordingly, competitiveness of banking services.Increasing the competitiveness of banking services of Ukrainian banks and ensuring the competitiveness of the domestic banking system is a prerequisite for ensuring sustainable economic growth. In view of this, the authors updated the issues of assessing the competitiveness of banking services offered in the market, using methods of economic and mathematical modeling. In assessing the competitiveness of banking services, research methods such as analysis and synthesis, the method of comparison, economic-statistical, mathematical, grouping and modeling, table and graphic are used. The work also used the modification of the Saati method as a hierarchy analysis method from the point of view of replacing the Saati estimates in the matrix of pairwise comparisons based on the numerical relations of the corresponding characteristics of the model's factors.Thus, the competitiveness of the banking service «Credit»ofJSC Oschadbank, PJSC CB «Privatbank», JSC «Raiffeisen Bank Aval», JSC «Kredobank», JSC «Alfabank»and PJSC CB «Taskombank»on the basis of its economic and consumer properties. The approach proposed by the authors to assess the competitiveness of banking and banking services, allows positioning services of a competitive bank in the financial market. For each commercial bank it is possible to determine the position and establish the competitive advantages of banking services in comparison with similar services of other commercial banks. Using the proposed model provides an opportunity to assess the competitiveness of the banking institution in terms of the competitiveness of banking services and should become a complete and informative information tool for managing the competitive advantages of domestic commercial banks.

Формування інституційного середовища розвитку криптовалют в УкраїніАнотація. У статті визначено напрями підвищення рівня розвитку криптовалют в Україні. Доведено, що зростання інформатизації суспільства, збільшення електронної комерції і, зокрема, цифрових товарів, робить криптовалюти ідеальною платформою для використання їх як ефективного платіжно-розрахункового інструменту в каналах руху національних грошей і світових валют. Зазначено, що важливим кроком до сприяння розвитку криптовалют в Україні має бути її легалізація. Заходами з формування сприятливого економічного середовища для розвитку криптовалют в Україні можуть стати: визначення правового статусу криптовалюти в Україні, прийняття відповідних законодавчих актів з регулювання обігу криптовалюти, обіг криптовалюти має бути взяти під державний контроль, розвиток міжнародної співпраці для впровадження комплексного регулювання обігу криптовалют, формування єдиної стратегії цифровізації криптовалюти, створення національної криптовалюти, забезпечення всіх учасників криптовалютного обігу необхідним інструментарієм, запровадження та стимулювання криптовалютних стартапів. Виходячи з того, що віртуальні валюти є техніко-економічною новацією сьогодення, поширення яких є лише питанням часу, перш за все, потрібно розробити належну правову основу для регулювання відносин на крипторинку.Ключові слова: криптовалюта; біткоїн; блокчейн; електронні платіжні системи; грошовий обіг.

The development of Ukraine’s credit market occurs under periodic economic crises. Available destructive processes inhibit the development of credit relations, negatively affecting the lending of economic entities and restraining the development of the national economy. This study aims to highlight the basic transformations in the development of the credit market of Ukraine, which are formed in macroeconomic instability. The economic development trends in Ukraine were assessed using classical statistical methods. The correlation regression analysis was used to analyze the influence of macroeconomic parameters (exchange rate, average salary, and cost of loans) on the volume of bank lending. The results show that the national economy of Ukraine during 2005–2021 developed in the conditions of periodic macroeconomic instability, and the pre-crisis (an indicator of 2013) parameters of bank lending volumes have not restored within the credit market. The paper stresses the significant impact of the COVID-19 pandemic: in 2020, the volume of bank lending decreased by 10.38 billion USD. Moreover, the econometric analysis of the influence of specific macroeconomic parameters (exchange rate, average salary, and cost of loans) on the development of bank lending in Ukraine demonstrated that the stability of the national currency exerts the greatest influence on the lending processes of economic entities in Ukraine. Its provision in the long term allows the creation of favorable conditions for the credit market functioning after the shock periods. Acknowledgment This study is conducted within the framework of the scientific project “Transformation of the households’ behavior in the financial services market in the context of digitalization” with the support of the Ministry of Education and Science of Ukraine.

An effective system of managing the bank’s resource potential is one of the main conditions for stable functioning and ensuring competitive advantages in the market of banking services. The size and structure of the bank’s resource potential are influenced by factors of the market environment, which are manifested as economic, political, legal, social, technological opportunities and threats to the development of the bank. It is obvious that due to changes in the regulation of banking activity, changes in macro- and microeconomic dynamics, fluctuations in the money market situation, structural fluctuations in corporate and personal incomes, etc., the resource base for the formation of commercial banks is not stable. The paper examines and characterizes the economic essence and necessity of managing the resource potential of a commercial bank. The composition and structure of the resources of banking institutions by groups of state banks, banks of foreign banking groups and banks with private capital was analyzed, the effectiveness of resource portfolio management before the start of a full-scale Russian invasion and in war conditions was evaluated. The main methods of research were: the method of theoretical generalizations, the method of analysis, the tabular and graphical method, the method of comparison, abstract-logical methods. The theoretical and practical results of the research consist in developing recommendations for improving the efficiency of the commercial bank’s resource management in conditions of global imbalances, uncertainty and a full-scale Russian invasion of the territory of Ukraine. The issue of formation and effective management of the resource potential of banking institutions remains relevant, optimization of the structure and selection of the resource portfolio management strategy is especially in demand in the modern conditions of scarcity of bank resources. The stability and further growth of the investment activity of commercial banks depends on the growth and strengthening of the resource potential, and currently – the support of stable work during the war period.