Modelling the impact of financial services digitalisation on achieving the goals of sustainable economic development

The authors have conducted a comprehensive study on the impact of digitalising financial services on achieving sustainable economic development goals in Ukraine, within the context of digital transformation and post-war economic recovery. The purpose of this article is to develop an integrated model that combines logistics and agent-based modelling to assess the potential of digital financial technologies as a catalyst for sustainable economic growth. This approach not only allows for the quantification of the impact of FinTech on key development indicators but also enables the development of public policy scenarios that take into account the nonlinear nature of socio-economic processes and technological adaptation. The economic and mathematical model developed by the authors enables the assessment of the pace, nature, and depth of the introduction of digital financial technologies, as well as their impact on key macroeconomic indicators. The authors propose combining the Gompertz logistic model with agent-based modelling methods, ensuring that both general trends in digital development and the behavioural heterogeneity of financial services users are taken into account. The model was developed based on statistical data for 2018-2024, taking into account key parameters such as the penetration rate of digital banking products, the share of non-cash transactions, the volume of digital lending and investment, and the advancement of digital infrastructure. The model was calibrated, and forecast scenarios were built up to 2028, which makes it possible to identify potential points of acceleration of economic growth through the digitalisation of the financial sector. The results of the study indicate a direct correlation between the level of digitalisation of financial services and the growth of gross domestic product, increased investment activity, productivity growth, and improved public financial management. The proposed model can serve as a tool for strategic planning at the levels of public policy, banking regulation, and financial forecasting.