JEL Classification: O31, M11 DOI: https://doi.org/10.31521/modecon.V39(2023)-12 Kushchyk A. P., PhD in Economics, Associate Professor, Head of the Department of Finance, Banking and Insurance, Zaporizhzhia National University, Zaporizhzhia, Ukraine ORCID ID: 0000-0003-0627-2296 e-mail: dlstud@ukr.net Krasnoshchek Y. V., 1st year master’s student, Zaporizhzhia National University, Zaporizhzhia, Ukraine ORCID ID: 0000-0002-9932-5926 e-mail: yaroslav2029@gmail.com Implementation of innovative approaches in theRead more