Підприємницький потенціал FinTech-екосистеми у забезпеченні стійкості національної економіки

Abstract

The article presents a scientific study of the entrepreneurial potential of the FinTech ecosystem as a fundamental driver for the strategic resilience and structural modernization of the national economic system. In conditions of global instability, traditional financial mechanisms are losing effectiveness, requiring a transition to integrated digital platforms and adaptive business models. It is argued that the realization of entrepreneurial potential within the FinTech environment is a key factor in the transformation of the national economic architecture. The research employs systemic observation and logical analysis to conceptualize the mechanisms by which digital innovations enhance macroeconomic stability. It is substantiated that the basis for optimizing the national business landscape is the transition from rigid financial structures to dynamic value creation networks. Synergy arises from the integration of entrepreneurial initiatives with digital platforms, transforming the financial space into a strategic generator of economic growth. The paper systematizes key imbalances – institutional, technological, and competence-based – that hinder the emergence of synergy between the financial sector and the real economy. A methodological approach is proposed to assess the impact of the FinTech ecosystem on economic stability through indicators of resource allocation efficiency and the reduction of transaction costs. It is proven that the entrepreneurial potential of FinTech allows for the optimization of capital turnover while simultaneously increasing the adaptive capacity of the economic system to external shocks. The authors formulate strategic vectors for overcoming structural imbalances, including the convergence of financial and innovative policies. The study confirms that during 2023–2025, there has been a steady trend toward the reconfiguration of the business landscape, providing strategic resilience and competitive advantages for the national economy in a turbulent environment.