Yarmolenko, V. O., and Polishchuk, N. V. "Skladovi rezultatyvnosti funktsionuvannia skladnykh system yak obiekty modeliuvannia" [Components of the Performance of Complex Systems as Objects of Modeling].

The article is aimed at studying the theoretical, organizational and methodical aspects of financial inclusion; conducting an analytical research on the development of financial inclusion and its impact on the welfare of the population; formation of recommendations for improving the financial services market in the conditions of ensuring the financial inclusion in Ukraine. The theoretical foundations of financial inclusion and its components are considered, the author suggests to enclose therein the speed and security of obtaining a financial service, which is provided with the help of digital technologies, which is relevant in the context of the COVID-19 pandemic. The carried out analytical studies of financial inclusion in the world and in Ukraine have shown that its level is constantly growing and there are sufficient prerequisites for its development, including in the financial market the maximum number of the population who will be able to benefit from the use of financial services. As a result of the analysis, a framework for financial inclusion has been developed that allows identifying entities that are often unwittingly excluded from the financial services market – due to low levels of financial literacy, low incomes or discrimination on the part of financial institutions. An important aspect of the implementation of the concept of financial inclusion is the motivation to use financial services, using behavioral finance methods for this – not only by those who are forced to exclude, but also those who voluntarily refused to use them. The publication proposes recommendations and instruments for improving the financial services market, which will increase the level of financial inclusion, which in turn will contribute to economic growth, mobilization of savings, their preservation and increase, introduction of innovations and development of entrepreneurship.

The paper investigates the value paradigm of Ukrainians and their peculiarities by means of the theory of spiral dynamics, analyzes the index of perception of corruption in different countries of the world and identifies the relationship between high level of corruption and low level of income, and designs inclusive growth and development of Ukraine. Object of study – the processes of inclusive growth and development through the prism of the valueoriented approach of the theory of spiral dynamics. Purpose of the study – to substantiate the prerequisites for the formation of a model of inclusive development based on the theory of spiral dynamics, which will allow to involve all members of society in socio-economic processes, taking into account their values, needs and opportunities. Method of the study – methods of economic, systemic, comparative analysis. Results and innovation of the study – in the paper investigates the influence of the system of values of society on its socio-economic development with the help of the theory of spiral dynamics, peculiarities of its evolution and influence on the socio-economic development of the country. The mental features of the Ukrainians, their evolution and prerequisites for mental modernization through the change of the paradigm of thinking through the construction of an inclusive state are analyzed. The article proposes a design for inclusive growth and development based on four main pillars: rules, institutions, a well-informed society, and political leadership. Modern IT technologies will become a tool for implementing this model. The modern paternalistic ideology that underlies the state centralization of financial resources with further redistribution should be changed to the ideology of promoting entrepreneurship and private initiatives, which will undoubtedly improve the well-being of all citizens and make our country competitive in the global arena. Forecast assumptions about the object of study – a value-oriented approach can give a powerful impulse to build an inclusive state, which by its perfection did not yet exist in the world, because it allows to involve all citizens in socio-economic processes due to modern technologies. KEY WORDS: INCLUSIVITY, MODERNIZATION, CORRUPTION, DEVELOPMENT, MODEL, TECHNOLOGY, BLOCKCHAIN, INNOVATION, SOCIETY

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The paper investigates theoretical aspects of inclusive growth and development, we determined the level of inclusive development in Ukraine, analyzed the strengths, weaknesses, prospects and risks of inclusive development in modern conditions of the economy developed a mechanism for constructing a model of inclusive development of Ukraine. The object of the study is process of inclusive growth and development. Purpose of the study is to summarize theoretical and methodological foundations for inclusive growth and development conduct research and create a model of inclusive growth and development of Ukraine. Method of the study - methods of economic, systemic, comparative analysis and modeling. Results and innovation of the study - in modern conditions of economy of inclusive development of Ukraine is currently ranked 49th place in the rating of the IDI with the index of 3,42, which is significantly lower than it was in 2017, when IDI was 3,67 and the country ranked 47th position. According to the WEF Report, Ukraine has a high position in the categories «Education and skills» IDI of 5,86, «Employment labor and social payments» IDI 4,78, «Basic services and infrastructure» has the IDI of 4,75. The category «Levels of corruption and rent» occupies the last place in terms of 2,81 IDI, this is a weakness of the Ukrainian economy. The paper presents a SWOT analysis of the inclusive development of Ukraine in modern conditions of the economy, which included strengths, weaknesses, prospects and risks. Having considered each key separately and analyzing them as a whole, was the mechanism of constructing a model of inclusive development, based on principles such as accessibility, self-regulation, trust, transparency, integration capabilities and security. Forecast assumptions about the object of study - the implementation of the model for inclusive development of Ukraine can be a powerful impetus for change at the legislative level in our country, attracting foreign investors and moving Ukraine to the leaders on the world stage. KEYWORDS: DEVELOPMENT, INCLUSIVE GROWTH, THE INDEX OF INCLUSIVE DEVELOPMENT, SWOT-ANALYSIS, WORLD ECONOMIC FORUM, THE MODEL OF INCLUSIVE DEVELOPMENT.