Digital Transformation of Whole Business Securitization Issuance

This article explores the impact of digital technologies on the Whole Business Securitization (WBS) mechanism and analyzes the potential of digital business securitization. It examines the evolution of traditional WBS in the context of blockchain technology and smart contracts, highlighting improvements in transparency, automation of cash flow management, and reduction of transaction costs. The study emphasizes that digitalization does not replace the fundamental principles of securitization but rather complements them, enhancing the efficiency, reliability, and accessibility of the instrument. A hypothetical digital WBS model is discussed as an innovative financing mechanism capable of expanding market participation and mitigating operational risks. The article concludes that integrating digital technologies into WBS opens new opportunities for structured financing and can support sustainable development of the financial market amid increasing digitalization of the economy.