Analysis of digital financial platforms as a means of reducing financial inequality in Ukraine

Introduction. The digital transformation of the financial sector is one of the key elements of economic development and the reduction of social inequality in the modern world. This issue is particularly relevant for Ukraine, which faces the dual challenge of overcoming the consequences of military aggression and accelerating integration into the European digital space. Hence, financial inequality remains an acute problem for Ukrainian society. At the same time, the development of digital technologies creates unprecedented opportunities for expanding access to financial services and reducing their cost. Objective. A comprehensive analysis of the potential of digital financial platforms to reduce financial inequality in Ukraine, identifying key barriers to their effective implementation, and developing strategic recommendations for leveraging digital financial inclusion opportunities in the context of post-war recovery. Method (Methodology). The study employs a set of scientific methods, including statistical analysis of financial inclusion and digitalization indicators in Ukraine for 2019-2023; comparative analysis of the experience of EU countries and other post-socialist economies; expert surveys of financial market participants in Ukraine; scenario modelling of the development of digital financial ecosystems. The information base of the study includes data from the National Bank of Ukraine, the State Statistics Service of Ukraine, the World Bank, the International Monetary Fund, as well as analytical reports from leading consulting companies and industry associations. Results. The current state and potential of digital financial platforms as a tool for overcoming financial inequality in Ukraine have been investigated. The main indicators of financial inclusion, accessibility of financial services, penetration level of digital platforms, and their impact on various population groups have been analysed. Based on statistical data and international experience, strategic scenarios for the development of digital financial ecosystems in Ukraine have been developed, taking into account the consequences of martial law and the specifics of the national economy. A set of measures has been proposed to enhance the effectiveness of digital financial platforms for reducing financial inequality and stimulating inclusive economic growth.