MODERN IT SOLUTIONS FOR INVESTMENT PORTFOLIOS: LOCALIZATION FOR UKRAINE

Abstract

Modern information technologies are increasingly entering the financial sector, offering new opportunities for automating investment processes and portfolio management. Special emphasis is placed on robo-advisors, mobile applications, and investment optimization platforms that provide a simple and accessible way to manage assets for a wide range of users. In the context of the Ukrainian economy, which faces numerous challenges, including military conflict, economic instability, inflation, and currency devaluation, the availability of tools that help preserve and grow savings is of particular importance. This article examines modern IT solutions for selecting investment portfolios with a focus on their localization for users in Ukraine, analyzing existing tools and their suitability for the Ukrainian market. It was found that most of the available platforms have limitations, such as the lack of localization, non-compliance with Ukrainian legislation, and access restrictions for users who are not residents of the U.S. or E.U., which creates barriers for their use by local investors. Considering these challenges, the research justifies the need for the development of new localized tools that meet the needs of Ukrainian users and are adapted to the local market. Special attention is paid to solving the issues related to savings in Ukraine, as investments can become a key means of creating additional savings, reducing dependence on state social benefits, and ensuring financial stability. The results of the study will be used to develop an innovative product that will help improve the financial literacy of the population and remove the main barriers faced by those who have no prior experience in investing. This will promote financial stability in Ukraine and broaden access to investments for a wider range of citizens. Creating user-friendly products for individuals without specialized financial knowledge is particularly relevant, as it ensures greater inclusivity and trust in the investment process.