Demianchuk, Maryna A.Дем'янчук, Марина АфанасіївнаДемьянчук, Марина АфанасьевнаSergiyenko, LiudmylaBoiko, Olena2020-07-222020-07-222020Eastern european conference of management and economicshttps://dspace.onu.edu.ua/handle/123456789/28331Financial inclusion or financial inclusion is equal access and use of financial products and services that are affordable, meet the needs of households and enterprises, are accessible to all segments of the company, regardless of income and place of residence, and are provided to all representatives of the financial sector responsibly and environmentally for participants in the process [1-5]. The formation of sustainable financial inclusion is considered in modern conditions in three planes: 1) the availability of financial services - the ability of the user to really use the service through contact with a financial intermediary; 2) financial literacy - the ability of the consumer to make an informed choice of service, fully understanding the benefits and risks of using it; 3) protection of user rights - a guarantee of safe, predictable and high-quality service provision, is provided by a third party.enfinancial inclusionGDP growthforeign investmentScandinavian countries - Denmark, Sweden, NorwayArticle