Digital divide and sustainable development of Ukrainian regions

The research is aimed to evaluate the internet marketing strategies in of life insurance companies in Ukraine. The insurance service in the time of digitalization faces scenarios of implementation in the marketing strategy on-line component. The main challenge for Ukrainian life insurance companies comparatively with the world practice is non-obligatory status of such kind of insurance contracts. So, on the one hand, costs of operation, regulatory pressures and inflexible technology infrastructure are increasing, and, on the other hand, economic recession does not allow to increase the number of insured persons, premiums and profit growth.
Sector of financial services is characterized by an increase in the level of competition, life insurance compelled to compete with pensions funds, banks and other financial institutions in order to defend their market share. Insurance companies marketing strategy determines how an insurer can best achieve its goals and objectives, keep existing customers and attract new ones with minimal costs.
Keeping all the above problems around the study would attempt to study all the factors that contributed to the effective marketing strategies. This paper presents different marketing strategies that are taken up in life insurance services keeping in view external and internal environment of the company.

The paper deals with the assessment of the socio-economic development of Ukrainian regions using Data Science methods and multidimensional analysis, including taxonomy, n-dimensional classification, and ensemble decision trees methods. The methodological bases of economic regions devel¬opment by the economic and mathematical modeling methods were investigated. The necessity of improving and further developing estimation models of the regional economic development using business analytics tools and multidimensional scaling methods was investigated.
The ensemble decision trees methods was applied for the classification model of economic development of the Ukrainian regions according to the conceptual base of the research on regional econom¬ic development. It will increase the quality level of administrative decisions making on regional de¬velopment asymmetry equalization. It is determined that in Ukraine, there is a significant imbalance of regions clusters with high and low economic level. Here was investigated the relationship between the two groups of economic development indicators – the indicators of the economic development regional performance and the group of economic potential. The results of the classification model allow identifying the set of indicators that have significant impact on the overall economic development. The developed ensemble model allows carrying out qualitative recognition and prediction of the state probability of economic development. It will improve the quality of decision making pro¬cesses on equalization of regional development asymmetry.
The further research gives the possibility to develop the system of levers directions of regional development imbalance equalization, to determine priority vectors of sustainable development of both the regions and the country.

This study examines the variables of digital maturity of companies. The framework for enterprise architectures Archimate 3.0 is used to compare the variables. The vari¬ables are assigned to the six layers of architecture: Strategy, Business Environment, Applications, Technology, Physical and Implementation and Migration. On the basis of a literature overview, 15 “digital maturity models” with a total of 147 variables are analyzed. The databases Scopus, EBSCO – Business Source Premier and ProQuest are used for this purpose.
The results of the work will help researchers and managers to identify which digitiza¬tion variables affect the different layers of the company. This enables researchers or managers to use the right model for a specific purpose or to create a new model from a combination of existing models for the entire company or just one architectural layer.
On the basis of a more precise assessment of the digital maturity of a company, better actions can be derived. This work is important for companies, as the digitization of enterprises and markets changed similarly to the invention of the steam engine did. Websites, sensors, mobile devices, apps, etc. are combined into new digital products and services. The competitors in the market have to adapt. If this is not done, they will increasingly disappear.
Finally, the authors suggests a conclusion about the current situation regarding the measurement of digital maturity in companies and show in which areas further studies could be carried out.