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The subject of the research is digitalization of the financial market and macroeconomic trends in the manifestation of digital transformations. The purpose of the article is to study the features of digitalization of the financial market through the prism of macroeconomic trends in the manifestation of digital transformations. The methodology of the work is a systematic method of knowledge, dialectical provisions of macroeconomics and the theory of financial science, the theory of transaction costs, money circulation and credit. The following special methods are used: parts and the whole, analysis and synthesis, observation, comparison – when studying the development of digitalization processes, clarifying the ratio of domestic and international segments of the financial space; generalization, formalization – to determine the macroeconomic trends of digitalization in Ukraine and abroad, predicting the prospects of introducing digitalization into social and economic life. The results of the work – the issues of prerequisites for implementation and conditions for the spread of digitization of the financial market were considered, the need to involve the population in digitalization as the main consumers of financial services was substantiated, the need to increase the digital literacy of the population as the basis of their competitiveness was emphasized. The macroeconomic trends of digitalization of the financial market are determined, its advantages and risks of implementation are shown. The development of digital currencies of central banks is revealed as the main instrumental trend of changes in the sphere of monetary circulation, when traditional fiat currencies acquire a digital form. Investing in cryptoassets is shown as a way of anti–inflationary preservation of household assets with significant aspects of speculation. The growing role of digital infrastructure for the development of financial technologies is revealed. Conclusions. The new digital world is the prospects and possibility of economic life in the period of post–Covid and post–war instability. Digitalization allows you to keep your internal financial and psychological framework under control, makes people operationally independent in terms of the ability to manage their assets and time. It is the acceleration of digital transformations, the use of intelligent substitutes for simple work and services in all possible areas that can overcome social distancing and related «failures» in communication. From a financial point of view, the use of the advantages of digitalization is more focused on the middle class – on those who have satisfied the first needs of life support. Therefore, digitalization is closely related to social policy and raising the standard of living of the population. Just as at the end of the war of the last century, when the Bretton Woods financial system was launched in 1944 together with the IMF and the World Bank, the financial market is currently facing radical changes. Not long after the victory, «digital Bretton Woods» awaits us, not metaphorical, but real transformations. The new financial and economic world will become digital. Operationally and instrumentally more diversified. Accessible, self–responsible and mutually responsible. The digital present and future is a strategic and at the same time constantly situational beacon. This is actually a choice of priorities and goals of civilization. What we strive for and how we modernize. This choice is psychological, technological, investment, financial. What we invest in and what we invest in. The difference in the means (tools) of work and life distinguishes today’s generations from their predecessors, and shapes future social and economic relations.
financial space, digitization, digital infrastructure, digital literacy, cryptocurrencies, security, macroeconomic trends, cybercrime risks, information, digital currencies
financial space, digitization, digital infrastructure, digital literacy, cryptocurrencies, security, macroeconomic trends, cybercrime risks, information, digital currencies
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