{
  "slug": "ua-fintech",
  "name": "Ukraine fintech",
  "updated": "2026-09-20",
  "page": "https://godofstartups.com/atlas/markets/ua-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Share of state-owned banks in net assets of Ukraine's banking sector",
      "value": "52",
      "unit": "percent of sector net assets",
      "geo": "UA",
      "period": "Q4 2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/admin_uploads/article/Banking_Sector_Review_2026-02_eng.pdf?v=16"
    },
    {
      "metric": "Physical card-reading share of retail card transaction value",
      "value": "1,5",
      "unit": "percent",
      "geo": "UA",
      "period": "2026-Q1",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/kilkist-ta-suma-bezgotivkovih-operatsiy-iz-platijnimi-kartkami-zrostali-v-i-kvartali-2026-roku"
    },
    {
      "metric": "Average cheque of a card payment in retail and service networks",
      "value": "387",
      "unit": "UAH",
      "geo": "UA",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/kilkist-ta-suma-bezgotivkovih-operatsiy-iz-platijnimi-kartkami-zrostali-v-i-kvartali-2026-roku"
    },
    {
      "metric": "Average cheque of an online card purchase",
      "value": "666",
      "unit": "UAH",
      "geo": "UA",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/bezgotivkovi-rozrahunki-platijnimi-kartkami-dominuyut--rezultati-pershogo-pivrichchya-2026-roku"
    },
    {
      "metric": "Active POS terminals in retail and service networks",
      "value": "563,4",
      "unit": "thousand units",
      "geo": "UA",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/bezgotivkovi-rozrahunki-platijnimi-kartkami-dominuyut--rezultati-pershogo-pivrichchya-2026-roku"
    },
    {
      "metric": "Share of card-fraud loss amount incurred over the internet, Ukraine",
      "value": "91",
      "unit": "percent",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/shahraystvo-z-platijnimi-kartkami-u-2025-rotsi-kilkist-vipadkiv-znizilasya-suma-zbitkiv--zrosla"
    },
    {
      "metric": "Digital payment adoption by country, World Bank Global Findex (made or received a digital payment, % age 15+)",
      "value": "52",
      "unit": "% of L2UKR respondents",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/g20.any?locations=PL-UA-HU-CZ-RO"
    },
    {
      "metric": "Year-over-year growth of the average loss per fraudulent card operation, Ukraine",
      "value": "30",
      "unit": "percent",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/shahraystvo-z-platijnimi-kartkami-u-2025-rotsi-kilkist-vipadkiv-znizilasya-suma-zbitkiv--zrosla"
    },
    {
      "metric": "Average loss per fraudulent payment-card operation, Ukraine",
      "value": "5536",
      "unit": "UAH",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/shahraystvo-z-platijnimi-kartkami-u-2025-rotsi-kilkist-vipadkiv-znizilasya-suma-zbitkiv--zrosla"
    },
    {
      "metric": "Fraudulent payment-card operations resulting in losses, Ukraine",
      "value": "256000",
      "unit": "operations",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/shahraystvo-z-platijnimi-kartkami-u-2025-rotsi-kilkist-vipadkiv-znizilasya-suma-zbitkiv--zrosla"
    },
    {
      "metric": "Seed-stage venture capital invested in Ukrainian companies",
      "value": "2586",
      "unit": "EUR thousand",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.investeurope.eu/media/z3pasguu/20260623_invest-europe_cee-report-2025.pdf"
    },
    {
      "metric": "Venture capital invested in Ukrainian companies, all stages",
      "value": "8895",
      "unit": "EUR thousand",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.investeurope.eu/media/z3pasguu/20260623_invest-europe_cee-report-2025.pdf"
    },
    {
      "metric": "Share of card-fraud losses caused by social engineering, Ukraine",
      "value": "90",
      "unit": "percent",
      "geo": "UA",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://bank.gov.ua/ua/news/all/shahraystvo-z-platijnimi-kartkami-u-2025-rotsi-kilkist-vipadkiv-znizilasya-suma-zbitkiv--zrosla"
    },
    {
      "metric": "Registered legal persons, Financial and insurance activities, Ukraine",
      "value": "10910",
      "unit": "entities",
      "geo": "UA",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://ukrstat.gov.ua/druk/publicat/kat_u/2023/zb/11/year_23_e.pdf"
    },
    {
      "metric": "Active enterprises, Financial and insurance activities, Ukraine",
      "value": "3397",
      "unit": "enterprises",
      "geo": "UA",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://ukrstat.gov.ua/druk/publicat/kat_u/2023/zb/11/year_23_e.pdf"
    },
    {
      "metric": "Microenterprises' share of active enterprises, Financial and insurance activities, Ukraine",
      "value": "78,0",
      "unit": "% of sector enterprises",
      "geo": "UA",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://ukrstat.gov.ua/druk/publicat/kat_u/2023/zb/11/year_23_e.pdf"
    },
    {
      "metric": "Capital investment, Financial and insurance activities, Ukraine",
      "value": "17339",
      "unit": "UAH million",
      "geo": "UA",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://ukrstat.gov.ua/druk/publicat/kat_u/2023/zb/11/year_23_e.pdf"
    },
    {
      "metric": "Registered legal persons, Financial and insurance activities, trend, Ukraine",
      "value": "10578 (2022) -> 10910 (2024)",
      "unit": "entities",
      "geo": "UA",
      "period": "2022-2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.ukrstat.gov.ua/druk/publicat/kat_u/2023/zb/11/year_23_e.pdf"
    },
    {
      "metric": "Made a digital online merchant payment for an online purchase, trend, Ukraine, World Bank Global Findex",
      "value": "25.83 (2021) -> 32.63 (2024)",
      "unit": "% of population age 15+",
      "geo": "UA",
      "period": "2021-2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=UA"
    },
    {
      "metric": "Adults who saved at a bank or similar formal financial institution, Ukraine, World Bank Global Findex",
      "value": "12.9224016270424",
      "unit": "% of population age 15+",
      "geo": "UA",
      "period": "2017",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin17a?locations=UA"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}