“…Many works, in particular, (Bausch, 2019), (Bilan et al, 2019a(Bilan et al, , 2018, (Brychko & Olejarz, 2019), (Munk et al, 2017), (Rudiawarni et al, 2020), (Vasilyeva et al, 2016(Vasilyeva et al, , 2019, (Shvindina, 2019) deal with the study of financial and business cycles based on time series analysis (seasonal, trend, cyclical component separation). Also there are a lot investigations about behavioral aspects in financial inclusion ( (Brychko, 2013), (Churilova et al, 2019), (Cortés-Sánchez & Rivera, 2019), (Djajanto et al, 2019), (Djalilov et al, 2015), (Hadbaa & Boutti, 2019), (Kaasa, 2019), (Katan et al, 2019), (Kolomiiets & Petrushenko, 2017), (Matošková, 2019), (Němcová & Staňková, 2019)) and protection of consumers ( (Piatek, 2018), (Poliakh, 2018), (Rehman, 2020), (Shapovalova et al, 2019), (Mihalčová et al, 2018)). Many scientific papers have found that the social safety of the population is also determined by the macroeconomic situation of the country (Aqil et al, 2019), (Bilan et al, 2019b, (Logan & Esmano, 2017), (Próchniak & Szyszko, 2019), (Packard et al, 2019); alternative factors related to the development of other sectors of the economy (industry, banking, investment, education) (Bilan et al, 2019c); (Buriak, 2015), (Ch & Semenog, 2017), (Klimontowicz, 2019), (Leonov et al, 2014(Leonov et al, , 2019, …”