The article analyzes the current trends in the development of the financial sector under the virtual regionalization conditions. Based on empirical research with regard to global financial institutions, options for addressing the problems of micro, meso and macro levels in the long-term prospect of the world economy have been suggested, in relation to the technological cycle of Kondratiev waves. In the study, research results of both the economists engaged in the problem of sustainable socio-environmental-economic development under the modernization and post industrialization conditions, and researchers of adjacent scientific fields. The analysis results of the present article allow for the discovery of new horizons and areas for scientific analysis to bring together science and practice, as well as for creating conditions for accelerating scientific and technological progress.

In the system of global information space, it is important to adequately calculate and assess the factors of successful functioning of the banking system, which are directly the engines of the country's development, economic stability, especially from the standpoint of qualitative measurement of innovative technology and human capital in rapid cyber fraud. The work is devoted to studying factors that describe the components of efficiency and potential use of innovative technologies in neo-banking in 90 countries to determine the level of risk of their use for money laundering based on gravitational modeling methodology. The authors substantiated that using four factors consisting of 13 components of digital evolution is expedient. Three indicators (access infrastructure, transaction infrastructure, and fulfillment infrastructure) allowed forming the supply condition factor. It provides a score on developing digital and physical infrastructure to ensure the digital economic system's quality. The «demand conditions» factor consists of 4 indicators (human quality level, device absorption level and digital broadband level, digital payment absorption), which show how much consumers are willing and able to participate in the digital economic system and whether they have the tools and skills needed to connect to the digital economy. Three indicators (institutional effectiveness and trust, institutions and the business environment, institutions and the digital ecosystem) shaped the «institutional environment» factor. It relates to research on countries' support for digital legislation, governments' investment in digitalization, and regulations. Regulate the quality of storage and access to digital data. The fourth factor of «innovation and change» consists of three features that characterize the state of key innovative economic system inputs (talents and capital), processes (i.e., cooperation between universities and industry), and outputs (i.e., new scalable digital products and services). The generalized indicator was formed based on these indicators. It characterizes the degree of risk of using the services of neobanks of the studied countries by economic agents or individuals to legalize criminal proceeds. At the first stage of the proposed method, the authors substantiated the statistical significance and possibility of using the studied indicators. The procedure of logarithmic normalization was carried out. The toolkit of descriptive statistics of the Statgaphics Centurion package provided the normalization parameters. In the second stage, the indicators were collapsed using a geometric weighted average, which provides meaningful information about the average dynamics rate. The third stage provided calculating the value of the integrated rating assessment of the degree of risk of using innovative technologies, services, and neobanking services for money laundering based on gravity modeling methods. The findings showed that 12.22% of the studied countries had a high degree of risk, 25.56% – a medium level of risk, 25.56% – a risk below the average level, for 36.66% of countries – the risk was almost absent.

A study of the current state and trends of many countries and regions in conditions of transforming the political, social and market environment leads to the conclusion that most of the territories and their populations are severely affected by negative factors, leading to the deterioration of living conditions, violation of rights and freedoms, reduction of opportunities and redistribution of desires to satisfy the most simple needs. In advanced economies, these processes reveal themselves in the form of declining trends in household incomes, violation of trade relations, diversion of capital from the sphere of economic development to the sphere of military spending, curtailing of social programs. Most vividly modern social and economic cataclysms show themselves in Eastern Europe and the Middle East. Literature review and problem statementThe problem of management of the complex characteristics that are used to create an enabling environment for economic and social development was raised by many scientists [Amosha, Kharazishvili, Liashenko, Kvilinskyi 2016, pp.19-34; Babkin 2013, pp. 138-148; Baranovskyi, Girchenko, Serdiukova 2017, pp. 20-33; Blagodarnyi, Tolmachova, Kvilinskyi 2014, pp. 30-37; Bondaryeva, Kravchenko, Mieshkov 2015, pp. 236-244;Bukharova 2012 Bukharova , pp. 1843 Bukharova -1849 Dementiev, Vishnevskiy, 2010, pp. 81-95; Ivanov, Liashenko, Kamińska, Kvilinskyi, 2017, pp. 86-101; Ivanov, Lyashenko, Tolmachova, Kvilinskyi 2016, pp. 9-34 Investigation of the social factors of development of society in the territories with transforming environmentConstantly changing environmental conditions lead to the necessity of regular updates, enhancements and adaptation of the existing approaches to the investigation of the development of societies that live in different territories. As a result, the purpose of the paper is to identify the main social factors that affect the vital activity of society at the present stage of development of territories which have unstable socio-economic and political environment. Specific trends, reflecting the state of social and economic processes in the countries of the evolving political and legal systems are considered (on the example of the Donetsk region). The components of the social and cultural environment as factors of forming a system of vital activity of the society are determined: the level of development of education, medicine, social infrastructure facilities, the environmental aspects, the social hierarchy and relationships in the community, the criminal and military risks, the demographic trends, the level of unemployment and informal employment. The authors developed a methodology of an expert assessment of the importance of the factors of forming the system of vital activity of the society. A set of recommendations for the coordinated impact on the economic and social processes in the conditions of transforming market system was proposed as a result of the research. Keywords: vital activity of society, the Donetsk region, the socio-cultural environm...

A characteristic feature of the innovation process is the uncertainty with the term of efficient use of the new product. The article proposes the use of the "modified internal rate of return" indicator for determining the period of implementation of an innovative project. The application of the present recommendations contributes to an increased objectivity while making important managerial decisions related to setting an optimal duration of innovation use, planning the efficiency value of the employed capital, comparing alternative innovative projects, and also predicting the need for further development of innovations or their complete replacement by more progressive ones.

The article examines a scientific and methodological approach to the rating of banks on the risk of money laundering. A sample of 18 indicators of 65 Ukrainian banks in 2019 was selected. The relative indicators that characterize the risk of using the bank's operations to legalize illegal income are considered. Logically, the indicators are divided into three parts. The first group of indicators characterizes the quantity and quality of the bank's compliance with the current legislation of Ukraine in the field of financial monitoring. The second group of indicators reflects the size of cash turnover in the bank, which is a characteristic of the bank's participation as a conversion center. The third group of indicators characterizes the bank's involvement in international income laundering cycles, considering transactions in countries - offshore zones and dubious transactions without explicit confirmation by a foreign trade contract. The study of input data on multicollinearity was carried out, based on which 5 indicators that are collinear with others were excluded. Normalization of the input data set based on nonlinear normalization is carried out. The weights of each indicator are calculated based on the principal component’s method. The optimal number of factors was determined based on the percentage of the variance explained by each factor and the graph of the scree plot. Minkowski metric was used to construct the integral index. Based on the integrated indicator, the rating of banks on the risk of money laundering was formed. The verbal-numerical Harrington scale provided a qualitative characterization of the risk of using bank operations to legalize illicit income. MS Office Excel software and Correlations of the statistical package STATISTICA 10 were used for calculations. Keywords: Anti-money laundering, the rating of banks, on the risk of legalization, integral indicator, Minkowski metric.