Innovative financial strategies for ensuring the financial resilience of territories under conditions of structural economic transformations

The article examines the role of innovative financial solutions in shaping financial strategies aimed at ensuring the financial resilience of territories under conditions of structural economic transformation, digitalization of the financial system, and increased uncertainty. It is substantiated that traditional approaches to territorial financial management, focused mainly on short-term budget balancing, are insufficient to address contemporary economic and crisis-related challenges. In this context, the financial strategy of a territory is interpreted as an integrated system of long-term strategic decisions that combines fiscal, investment, debt, institutional, and digital mechanisms of financial resource management. Innovative financial solutions are defined as new or significantly improved instruments, technologies, and managerial approaches that enhance the efficiency and adaptability of territorial financial systems. The study systematizes such solutions by functional purpose, technological basis, level of impact, and strategic time horizon, providing an analytical framework for their integration into territorial financial strategies. A classification of territorial financial strategies according to the level of financial resilience and innovation orientation is proposed, highlighting different strategic trajectories from stabilization to proactive development. The results demonstrate that innovative financial solutions contribute to the diversification of funding sources, improvement of budget transparency, optimization of debt policy, and strengthening of investment attractiveness, particularly in crisis and post-crisis conditions. It is concluded that the systematic integration of innovative financial solutions into territorial financial strategies is a key prerequisite for achieving long-term financial resilience and balanced socio-economic development.