TRANSFORMATION OF FINANCIAL SERVICES IN THE CONTEXT OF POST-WAR RECOVERY

Abstract

The article examines the key aspects of the transformation of financial services in the context of post-war recovery. The role of financial services is defined as one of the fundamental instruments of economic renewal, ensuring access to capital and financial resources for businesses, households, and national reconstruction projects. The study analyzes modern digital technologies, institutional reforms, and social challenges that accompany the evolution of the financial system in wartime and post-conflict conditions. Particular attention is paid to current trends in the digital transformation of the financial sector. These technologies are positioned as critical instruments for achieving financial inclusion, restoring public trust in institutions, and ensuring efficient resource allocation during the recovery process. The article highlights the growing relevance of super apps as multifunctional digital ecosystems that integrate a wide spectrum of financial, communication, and service-oriented functions within a single platform. Their application offers significant advantages in terms of scalability, flexibility, and operational continuity in crisis or post-crisis environments. Super apps can serve as a bridge between the state, financial institutions, and end-users, particularly in regions with disrupted infrastructure or displaced populations. Their potential to provide real-time financial assistance, facilitate economic reintegration, and streamline service delivery makes them a strategic asset for post-war governance. Moreover, the research substantiates the need for comprehensive and strategic modernization of the financial infrastructure in line with the principles of accessibility, adaptability, openness, resilience, and technological neutrality. Emphasis is placed on developing regulatory frameworks that support innovation while maintaining financial stability. The findings emphasize that the digital transformation of financial services must be institutionalized as a cornerstone of national recovery policy, not only to restore economic functionality but also to promote inclusive growth, reduce inequality, and strengthen democratic governance through transparent financial systems.