Цифрова інфраструктура як драйвер розвитку кредитної системи в Україні

The article reveals the meanings of the terms: digital infrastructure in a broad sense is a set of hardware, software, network and organizational components that ensure the collection, storage, processing, transmission and exchange of digital information and digital infrastructure in a narrow sense is a set of technological solutions and systems that ensure the functioning of financial and credit services, in particular payment systems, banking operations, credit processes, investment platforms and other financial instruments in the digital environment. In this context, the elements of digital infrastructure are described, considered through the prism of their role in financial and credit activities. The stages of penetration of digital infrastructure into the credit system of a financial institution are structured and graphically displayed, namely: stage 1: implementation of digital channels for managing existing credit operations and existing business processes: Internet banking, mobile banking, implementation of CRM systems; stage 2: formation of an offer of digital credit products and their integration and improvement based on the received digital information data; Stage 3: “digital brain”, “big data” and relevant software not only create models of financial and credit interaction “client-credit institution”, but also push the client to certain financial decisions, manage his financial behavior in order to ensure the implementation of all his financial needs. A forecast of the dynamics of the market for the development of digital credit services in the EU countries until 2032 is given, through the analysis of such indicators as: investment programs for the development of digital credit infrastructure; corporate digital lending and retail digital lending. A list of digital technologies used by domestic credit institutions in the process of organizing innovative digital lending is provided, which include the following elements: low-code digital platforms; biometric digital technologies; robotic automation of credit processes; artificial intelligence; chat bots; cloud services and the use of API (Application Programming Interface) technology.