Innovative approaches to the assessment of banking competition in ukraine in terms of digital transformation

The article considers the issues on banking competition interaction, system's stability and efficiency. This research aims to conduct a comprehensive assessment of that consists structural non-structural methods under institutional changes' impact. paper presents how this influences system Ukraine through its reformation in level it interacts with indicators efficiency banks. In study's frame, authors applied developed approach modified model Panzar-Rosse regarding activity after has been rebooted «cleansed of». systematization scientific background approaches assessing noted that, generally, native used only one assess industry Ukraine. Besides, their studies focused pre-crisis period, when these innovations hadn't significantly affected banks' changes. importance solving problem is identifying problems taking measures eliminate them, using level, considering explanatory stability. issue became critical significant reduction number institutions change structure influence financial innovations. study into market carried out following logical sequence: 1) given subject; 2) describing existing for industry; 3) proposed competition; 4) providing proposals improving period 2015-2019. object an empirical analysis current findings showed sector characterized by monopolistic competition, which increasing concentration state-owned empirically confirms theoretically proves some Ukrainian banks have increased share due decrease recent years digital transformation. results could be beneficial use innovative future, bank owners (including small ones), also perspective development neo-banks Ukraine, there need not but users services.