ASSESSMENT OF THE LEVEL OF IMPLEMENTATION OF INNOVATIVE TECHNOLOGIES IN THE ACTIVITIES OF DOMESTIC BANKS

Abstract

Introduction. Today, under the influence of advanced technologies, banks are not only modernizing their product lines and creating new services to meet customer needs, but also radically transforming their development strategies and traditional business models. Purpose. The purpose of the article is to determine the main trends in the implementation of innovative technologies in the activities of banks and to develop criteria for assessing the level of implementation of innovative technologies in the activities of domestic banks. Methods. In the process of research, both classical methods of scientific research and special methods of scientific analysis were used. Results. It is emphasized that modern innovative technologies are understood as a set of methods and means that ensure the process of materialization of new ideas in various spheres of social production. The role of innovative technologies in the development of the financial sector is determined and their main types used by advanced banks are considered. An author's methodology for assessing the level of implementation of innovative technologies in banks is developed. The main criteria by which this assessment is carried out are outlined. 10 domestic banks were selected, which are leaders in the stability rating at the beginning of 2026, and the level of implementation of innovative technologies in the studied banks was assessed. The highest score was received by JSC "Universal Bank", which owns a virtual bank, and banks of foreign banking groups JSC "Credit Agricole Bank" and JSC "Raiffeisen Bank". Conclusion. Based on the testing of the methodology, it was concluded that a high level of implementation of innovative technologies contributes to the financial stability of the bank. Attention was drawn to the fact that in the banking sector of Ukraine there are still problems with the application of a number of new technologies such as blockchain, access to cloud storage and some others. It is formulated that the effective integration of a bank into the digital economy contributes to increasing its reliability and attractiveness to customers and makes it possible to offer new types of products that are in high demand and services with a simplified procedure for accessing them.