У статті розглянуто питання інституційних трансформацій фінансової системи, які відбуваються в епоху становлення цифрової економіки. Відповідно, проаналізовано сутність фінансової системи та її структуру, що здійснено через дослідження сформованих у наукових працях підходів до розгляду природи такої системи, її композиції. Також у статті розглянуто та виокремлено особливості впливу процесу цифровізації на розвиток суспільних систем. Важливу увагу приділено обґрунтуванню змін основних інститутів фінансової системи у процесі впливу цифрових технологій на формування та розвиток фінансових відносин. У підсумку було описано роль інституцій та інститутів у формуванні фінансової поведінки економічних агентів, сучасні трансформаційні процеси у функціонуванні фінансової системи та визначено нові технології, впровадження та використання яких змінює окремі компоненти такої системи.

Abstract: Public procurement has two main objectives. On the one hand, competitive procedures are designed to ensure maximum efficiency in meeting the needs of budgetary institutions, on the other hand, cost savings are in the vast majority of cases the main criterion for the effectiveness of purchases. Actual is the development of tools that would allow for scenario-based modeling of procurement using economic-mathematical, in particular imitation, experimental models. The purpose of the study was to develop an experimental model that allows to increase the effectiveness of the contract system in the field of public procurement of goods, works, services through reengineering of processes related to procurement activities and conducting scenario experiments. The proposed experimental model with the help of the developed interface allows you to visually monitor the progress of its implementation, and also allows to conduct a series of experiments to test the model in the implementation of various options for effects on the contract system in the procurement.

Financial resources of households in most developed countries are the largest in volume, stable in terms of the development of the financial services market and economy as a whole. It is the development of the mechanisms for attracting these funds from economic entities, knowledge of the process of making financial decisions, is an important and integral part of forming a solid foundation for sustainable economic development. Accordingly, conducting research in this area is relevant and necessary. Thus, theoretical and methodological provisions for the formation of deposit behavior of households in current changing conditions of the financial services market is the subject of this research. Within the study, a range of classical scientific approaches is used. The following general and special research methods were used, namely: analysis, synthesis, content analysis, system approach and method of logical generalization, process approach, etc. Methods of graphic visualization of research results were used as well for better presentation. The purpose of the article is to study the nature and features of the formation of deposit behavior of households in the financial services market in terms of its transformation. Thus, as a result of the study, within the article, a detailed analysis of the essence of deposit behavior of households is carried out, and the author’s concept of the interpretation of the following categories “deposit behavior”, “deposit behavior of households” is formulated. The article identified and systematized the main factors influencing the formation of this type of behavior; these factors are divides into groups: endogenous and exogenous. The detailed consideration of the formation process of deposit behavior of households in the financial services market allowed to identify the main stages of its formation and to describe their features. It is established that the process of reflection of economic entities plays an important role in the formation process of deposit behavior of households, which highlighted the need to deepen theoretical issues of this direction. Accordingly, the essence of financial reflection is specified, the specific features of the implementation of reflective management of the formation process of deposit behavior of households in the financial services market is considered.

Modern innovation and information processes require the formation of an innovative strategy to respond to new trends in digital development. This is due to growing competition from both financial institutions and high-tech companies and startups FinTech which with their innovative solutions seek to become leaders in highly profitable segments of the banking sector. The purpose of the article is to analyze foreign experience in the development of innovative information technologies in the financial services market. The article analyzes the areas of use of information technology in the work of financial institutions. The essential characteristics of financial innovations are presented. The experience of leading countries in the introduction of innovative and information technologies in the work of financial institutions is analyzed. The study found that the world leaders in the pace of implementation of information technology in the work of financial institutions are China, the United States, Germany, India, Singapore and the United Kingdom. The development of the FinTech industry depends on the factors of efficiency and optimality of state regulation, the availability of highly qualified experienced specialists in the field of information technology, the development of financial infrastructure, the level of household confidence in banks and the ability of financial institutions to attract investment resources. The introduction of innovative information technologies allows financial institutions to organize quality customer service, increase the degree of its personalization, and make processes more transparent, fast and reliable. This, in turn, helps to increase the level of trust of stakeholders and competitiveness in the financial services market. At the same time, the use of information technology by financial institutions may be accompanied by risks of cyberattacks, leakage of personal data of customers, as well as technological and reputational risks. The experience of the countries and individual banks analyzed in the article can be useful for Ukraine, in particular in the implementation of cloud technologies, artificial intelligence, big data analytics, Blockchain technology in the activities of domestic financial institutions.

В статті проаналізовано структуру зведеного бюджету України за доходами у 2018–2020 роках, проведено аналіз складу податкових надходжень у структурі зведеного бюджету України за доходами у 2018–2020 роках. У ході проведення дослідження було розглянуто розмір дефіциту державного бюджету за період незалежності України. Розглянуто зміни інтегрального показника рівня тіньової економіки в Україні і темпи приросту/ зниження рівня реального ВВП. Досліджено динаміку рівня тіньової економіки за окремими методами. Визна- чено причини наявності значних масштабів тіньової економіки. Було виділено основні інструменти тінізації фінансових потоків. В статті авторами представлено основні напрями щодо боротьби з тіньовою економікою, які забезпечать підвищення рівня податкових надходжень до бюджетів різних рівнів.