Inovatyvių finansinių paslaugų charakteristikos ir pasiūla Lietuvoje

LTStraipsnyje siekiama išskirti inovatyvių finansinių paslaugų charakteristikas, kurios leidžia apibrėžti inovatyvias finansines paslaugas. Remiantis išskirtomis inovatyvių finansinių paslaugų charakteristikomis, siekiama ištirti, kurios Lietuvoje teikiamos finansinės paslaugos yra priskiriamos prie inovatyvių finansinių. Reikšminiai žodžiai: inovatyvios finansinės paslaugos, finansinės inovacijos, inovatyvių finansinių paslaugų pasiūla, reguliavimas. [Iš leidinio]

ENInnovative financial services are defined as financial services developed or provided using new technologies by non-traditional providers that are not regulated or regulated at a lower level. Non-traditional providers make it possible to distinguish innovative financial services from digital financial services, that can be provided by traditional financial institutions. It should be noted that non-traditional providers are unregulated or regulated at a lower level, which indicates a higher likelihood of risk for innovative financial services. However, one of the main characteristics of innovative financial services is the use of new technologies, which is also linked to other characteristics of innovative financial services: automation, digitalisation, accessibility and dynamism. Innovative financial services, like general services, are characterized by intangibility, heterogeneity, inseparability, and customer involvement. Innovative financial services, like all financial services, are characterized by return and risk trade-off, market confidence. The analysis of the supply and characteristics of innovative financial services in Lithuania revealed that all innovative financial services analyzed in the article are characterized by the characteristics of new technologies and no regulation / lower level of regulation.9 % of innovative financial services analyzed were not regulated, and 91 % were regulated at a lower level. The lack of regulation increases the level of innovation of these services, and with the emergence of regulatory constraints, innovation decreases. Other characteristics of innovative financial services – digitalisation and automation, accessibility and non-traditional providers – are only partially met by some innovative financial services, but this does not negate the innovativeness of these services, but reduces their level. The consistency of the dynamics characteristic was not analyzed due to lack of data. Most of the innovative financial services provided in Lithuania include day-to-day banking and borrowing services. In addition to the theoretical characteristics of innovative financial services, innovative financial services provided in Lithuania are also characterized by these characteristics – lower costs or their absence, higher financial return, speed, more flexible and personalized conditions. Keywords: innovative financial services, financial innovations, supply of financial services, regulation. [From the publication]