{'fraction_non_alphanumeric': 0.01170643854119766, 'fraction_numerical': 0.0018009905447996398, 'mean_word_length': 5.138121546961326, 'pattern_counts': {'":': 0, '<': 0, '<?xml version=': 0, '>': 0, 'https://': 0, 'lorem ipsum': 0, 'www.': 0, 'xml': 0}, 'pii_count': 0, 'substrings_counts': 0, 'word_list_counts': {'cursed_substrings.json': 0, 'profanity_word_list.json': 0, 'sexual_word_list.json': 0, 'zh_pornsignals.json': 0}}
FINANCIAL TECHNOLOGIES: GLOBAL TRENDS AND LESSONS FOR UKRAINE

Trends in the penetration of financial innovations into global markets have been analyzed in this article. The prerequisites for their growth in a global format were identified when the positions of different countries were compared in terms of the Digital Adoption Index 2019. The penetration of financial innovations into global markets is proceeding at a rather fast pace as a result of the fact that some markets become less attractive or too expensive for financial institutions, especially in post-crisis conditions. The current trends point to the progressive development of the FinTech market. In the article, the opinions of various authors who conducted research in the field of FinTech were studied in order to find out the main features and characteristics that make up the essence of this term. The prerequisites for the introduction of FinTech were justified and the advantages and disadvantages for it were identified. It was found that banks and companies, when testing modern financial technologies, face the challenge limiting their actions. Therefore, attention has focused on the implementation of regulatory Sandbox. The benefits of implementing such a tool from the point of view of business, customers and government have been analyzed and summarized. Investment activity trends were studied from the point of view of investing into financial technologies in the global market in order to substantiate the prospects for the development of FinTech in the future. An analysis of the FinTech market in Ukraine was carried out to find out how this market has developed. The rapid changes that are taking place in connection with digitalization have created a field for the development of the concept of a bimodal architecture of corporate IT, but now there is a question about the imperfection of bimodal systems. Discussion of this issue is now very relevant and causes a lot of discussion, because companies need to develop a digital strategy. It is proposed to develop the parameters of the digital strategy in terms of substantiating the digital core, digital products and assets, creating communication channels and business networks.