Iryna D’yakonova

The article analyzes concepts to determining the essence of the economic security management at an enterprise. The main features of identifying the effectiveness of economic security management at the enterprise are stipulated. The theoretical and methodological approach to determining the effectiveness of economic security management of the enterprise is proposed, which allows to identify the threats and predict their consequences, to provide internal balance in the enterprise activity and the compliance of its mission and strategic direction of the activity with its key interests. Moreover, it is proposed to use the matrix of comparing the level of the enterprise economic security (EES) and the total impact on the EES level in one of the scenarios (pessimistic, optimistic, and most probable), which allows to assess the effectiveness of the economic security management of the enterprises and provide recommendations to increase the latter, minimizing destructive effects of dominant threats in the context of certain functional components of the economic security.

The basic features of enterprise economic security management are determined. It is proved that the system of enterprise economic security should be considered from the point of view of the impact on it of a multitude of various threats which ensure this system functioning and entering into contradiction with other elements of the system. An improved approach to the management of enterprise economic security is proposed in the global environment. The necessity of further and deeper study of the flow of such destructive and destabilizing phenomena is substantiated because such threats can cause irreversible consequences and threaten the functioning of the enterprise economic security management. The next stage of the study should be a comprehensive assessment of the interconnection of such destructive and destabilizing phenomena as threats, risks and dangers.

This paper examines the fintech concept and fintech market structure. The theoretical and methodological approaches to the adaptation of the Ukrainian banking market to fintech in terms of globalization are investigated. The problems of Ukrainian banking system reforming after the national economy long-term recession are determined. Phases of technology development in the Ukrainian banking system are considered and fintech innovations in Ukraine are discovered.

The purpose of this study is to ground the causality, its character, and power between economic growth and housing spending within government social protection to strengthen poverty reduction. The study is conducted on a sample of 27 EU countries for 2012–2021 according to the following indicators: government expenditure on housing within social protection, government expenditure on housing development, and GDP per capita growth. Correlation analysis revealed the relationship between the variables. The paper employed time lags with the most significance based on Pearson and Spearman correlation coefficients depending on normal data (Shapiro-Wilk test). The causal analysis determined which of the studied indicators is the cause and consequence of established dependence based on the results of the Granger test. Calculations are made in STATA software. It is confirmed that government expenditure on housing within social protection influences GDP per capita growth in 14 countries (the highest impact is in Greece and Spain) and government expenditure on housing development – in 17 countries (the biggest influence is in Romania, the Slovak Republic, Ireland, and Lithuania). It is also emphasized that government expenditure on housing development influences economic growth more significantly and with higher strength than government expenditure on housing within social protection. The obtained results can be useful in further research and government decision-making in social and economic policy, particularly regarding the expediency of increasing government spending for affordable housing and its development according to social protection programs, poverty reduction, and inclusive economic growth.

Acknowledgments
The study is funded by the Ministry of Education and Science of Ukraine (No. 0122U000781) and the Vega Agency (No. 1/0638/23).