Lavreniuk A. Banks in Shaping Inclusive Financial Behavior of the Population

This dissertation is dedicated to the disclosure and deepening of theoretical foundations of inclusive financial behavior of the population and the development of methodological and practical recommendations for improving the role of banks in its formation under conditions of innovative digital development. The work has developed a methodological approach to a comprehensive assessment of the population's inclusive financial behavior regarding the use of banking services, which includes: 1) definition and structuring of financial inclusion components considered as sequential stages of development and implementation of financial inclusion; 2) selection of analytical indicators for assessing each component considering characteristics typical for the process of financial inclusion implementation in Ukraine; 3) calculation of sub-indexes for each component, using statistical methods for constructing indexes and integral indicators, considering the availability of databases; 4) calculation of a composite index of financial inclusivity; 5) identification of the nature of shocks to financial inclusion and the channels of their transmission to the financial system or its components. The work, through the construction of a composite map dynamically presenting the integral values of the components of financial inclusion, realizes a comprehensive approach to assessing the level of inclusive financial behavior of the Ukrainian population. This approach significantly enhances the focus of bank actions aimed at developing policies, methodologies, and procedures adaptive to market conditions and increasing the population's involvement in using financial services.