BUSINESS ANGELS AS A SOURCE OF INVESTMENT FINTECH DEVELOPMENT

The essence of investment by business angels in financial technologies is considered, which is typical for the initial stages of development of FinTech startups, is associated with high risks and intentions to obtain a stake in the company and participate in solving its problems and further development.The features of business angels, who can be both individuals and enterprises or investment funds that invest their own capital, have significant experience in certain areas of business and high competence, willingness to take risks and the ability to long-term cooperation with startups, have been identified.Different types of business angels are described, which differ in their goals, methods and techniques usedcorporate business angels, enthusiast business angels, entrepreneurial business angels, micromanaging business angels and professional business angels.The advantages and disadvantages of business angel investing are analyzed.An assessment of the state and priorities of angel investing on a global scale and in the European space was carried out.This characteristic business angel investment in 2025 as "cautious optimism", which indicates the intentions of business angels, despite the rather difficult situation in the global investment market, to increase the volume of investments in startups compared to 2024.