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Петруня Юрій Євгенович - Університет митної справи та фінансів
| Issues | Sections | Authors | Keywords |
Article
| Issue: | 2025 №2 (90) |
| Section: | Finance, Banking, Insurance and Stock Market |
| UDK: | 331.56:336.7 |
| DOI: | https://doi.org/10.33271/ebdut/90.160 |
| Article language: | English |
| Pages: | 160-166 |
| Title: | Financial innovation and unemployment in the financial sector: what is the base? |
| Authors: | Yermoshkina O. V., Lviv Polytechnic National University, Makurin A. A., Dnipro University of Technology, Doroshenko L. V., Dnipro University of Teсhnology |
| Annotation: | Methods. The study of the impact of financial innovations on unemployment in the financial sector is based on the use of various general scientific methods, such as abstraction – in determining the interrelation between unemployment, innovation, and digitalization. Data collection and analysis were carried out, including both quantitative analysis of statistical data on employment in the financial sector and the volume of investment in fintech and automation, labor productivity indicators, as well as qualitative analysis of the regulatory framework, a review of scientific literature, and case study analysis of specific financial institutions. For the quantitative analysis, data from the State Statistics Service of Ukraine, the National Bank of Ukraine, industry reports, and public reports of large banks were used. Results. The study revealed that financial innovations create a dual effect on employment: on the one hand, they automate routine operations, reducing the demand for traditional professions; on the other hand, they generate new, highly skilled jobs, leading to a skills gap. Innovations also play a key role in financing risky technological projects and adapting the financial system to new challenges. The analysis confirms that financial crises lead to increased unemployment and social instability, often due to unregulated innovations, as was the case during the 2008 crisis. At the same time, despite the full-scale war and demographic changes, Ukraine’s labor market (2021–2023) shows a certain decrease in registered unemployment, associated with declining inflation and an increase in employer job offers. Nowelty. The study identified the dual impact of financial innovations on employment: they reduce traditional jobs through automation but create new ones that require different skills. A particular novelty is the analysis of the dynamics of the Ukrainian labor market under the conditions of full-scale war (2021-2023), which shows a decrease in registered unemployment and positive trends despite demographic losses. It is also important to emphasize that unregulated financial innovations can be a cause of financial crises and subsequent rises in unemployment. Practical value. The current full-scale war in Ukraine has significantly accelerated digitalization processes and population migration, which is influencing fintech innovations and the structure of the labor market in new ways. Research that takes this unique context into account (such as changes in demand for financial services, business relocation, new cybersecurity needs, and the growth of remote employment) will have high relevance and novelty. |
| Keywords: | Financial innovations, Unemployment, Financial sector, Digitalization, Artificial intelligence, Machine learning |
| File of the article: | EV20252_160-166.pdf |
| Literature: |
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Editor-in-Chief
Makurin A. A., Doctor of Economic Sciences, Professor, Department of International Relations and Audit, Dnipro University of Technology
Deputy Editors-in-Chief:
Buleev I. P., Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine
Vahonova O. H., Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology
Chair of the Editorial Board
Bezuhla L. S., Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology
Members of the Editorial Board:
- Andrii Andriiovych Makurin, Doctor of Economic Sciences, Professor, Professor at the Department of International Relations and Audit, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-8093-736X - Oleksandra Hryhorivna Vahonova, Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-6553-7771 - Liudmyla Serhiivna Bezuhla, Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6520-4325 - Maryna Illivna Ivanova, Doctor of Economic Sciences, Professor, Professor at the Department of Management, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1130-0186 - Oksana Vitaliivna Bashtannyk, Doctor of Sciences in Public Administration, Professor, Professor at the Department of History, Political Theory and Law, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-4067-3261 - Olena Olehivna Akhmedova, Doctor of Sciences in Public Administration, Associate Professor, Professor at the Department of Tourism and Hotel and Restaurant Business, Kyiv National University of Technologies and Design, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1573-7710 - Mykola Petrovych Horodyskyi, Candidate of Economic Sciences, Associate Professor, Zhytomyr Polytechnic State University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-2093-5263 - Eleonora Yuriivna Tereshchenko, Candidate of Economic Sciences, Associate Professor, Associate Professor at the Department of Enterprise Economics and Finance, Kyiv National University of Trade and Economics, Ministry of Education and Science of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-2272-5224 - Valentyna Andriivna Pavlova, Doctor of Economic Sciences, Professor, Professor at the Department of Entrepreneurship, Alfred Nobel University, Dnipro, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6762-8041 - Ivan Petrovych Buleev, Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-7912-3649 - Olha Volodymyrivna Zakharova, Candidate of Economic Sciences, Associate Professor at the Department of International Economic Relations, Vasyl Stefanyk Carpathian National University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-8718-0205 - Joanna Rosak-Szyrocka, PhD, Assistant Professor at Częstochowa University of Technology, Poland
https://wis.pcz.pl/wykladowcy---sprawozdawczosc/dr-joanna-rosak-szyrocka
https://orcid.org/0000-0002-5548-6787 - Jolanta Miko Nalivaike, Doctor of Social Sciences, specializing in Management, Vice-Dean of the Faculty of Business Management, Associate Professor at the Department of Management, Vilnius Gediminas Technical University (VILNIUS TECH), Lithuania, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1009-4111 - Marat Kuralbekovich Kamysbayev, Doctor of Economic Sciences, Professor, Department of Management and Mathematical Economics, Kazakh National Research Technical University, Almaty, 050000, Kazakhstan, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6952-6030 - Jan Skonieczny, PhD in Economics, Assistant Professor at the Department of Organization and Management, Wrocław University of Science and Technology, Poland, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1027-991X
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