Cashless Payment Card Usage in Ukraine Before and During the Full-Scale War, 2019-2025

This dataset tracks the share of cashless (non-cash) transactions in the total value and total number of payment card transactions in Ukraine, from the pre-war baseline year of 2019 through the first quarter of 2025. The dataset is intended to support research on the relationship between banking sector digitalization and operational resilience during crises. Ukraine's cashless payment share was already high before the full-scale war (61.0% by value, 90.1% by count in 2021) and continued rising through the war (65.2% by value, 95.2% by count by Q1 2025). This dataset provides the empirical basis for the hypothesis, discussed in this author's companion conference paper and journal article, that pre-existing high digital payment penetration may have helped Ukraine's banking system continue operating without a sudden operational collapse when physical branch access was disrupted in combat-affected areas, consistent with broader literature linking bank digitalization to financial system resilience (Ozili, 2018; and subsequent empirical studies). IMPORTANT DATA COVERAGE CAUTION: unlike this author's other datasets in this series, the periods covered here are NOT uniform. The NBU publishes cashless payment statistics irregularly (some releases cover a full calendar year, one covers only May-December 2022, and the two most recent data points available to the author at compilation time were Q1-only figures for 2024 and 2025). Each row's Period and Period_Type columns specify exactly what period it covers; this dataset should not be treated as a clean annual or quarterly time series, and readers should not linearly interpolate between rows of different types. The author was unable to locate a single official release giving a clean full-year 2024 figure or a Q1 2022 (pre-invasion) figure at the time of compilation; researchers needing more complete coverage should consult the NBU's quarterly payment card market releases directly (see source below), which are published as narrative reports rather than a downloadable structured dataset. METHODOLOGY & SOURCES Data were manually compiled from a series of individual National Bank of Ukraine press releases and payment card market reports, each covering a different period as noted above. No calculations were made; figures are reproduced as published in each respective release. CONTACT INFORMATION Illia Kyselov, PhD in Law Associate Professor, Department of Law, Bohdan Khmelnytsky Melitopol State Pedagogical University, Zaporizhzhia, Ukraine CMSA (R), FPWMP (R), and BIDA (R) (Corporate Finance Institute) Email: [e-mail] The author is open to collaboration on Scopus-indexed publications and further research using Ukrainian economic and financial statistics. Inquiries regarding this dataset, potential co-authorship, or data requests are welcome.本数据集追踪了2019年战前基准年份至2025年第一季度期间，乌克兰境内支付卡交易总金额与总交易笔数中，无现金（非现金）交易的占比。 本数据集旨在支持有关危机时期银行业数字化与运营韧性之间关系的研究。乌克兰在全面战争爆发前的非现金支付占比已处于较高水平：2021年按金额计算占比为61.0%，按交易笔数计算占比为90.1%；且在战争期间该占比仍持续攀升，至2025年第一季度，按金额计算占比达65.2%，按交易笔数计算占比达95.2%。本数据集为作者在配套会议论文与期刊文章中提出的假说提供了实证基础：即战前已具备的高数字支付渗透率，可能帮助乌克兰银行体系在受冲突影响地区的实体网点运营中断后，未出现突发性运营崩溃。这一结论与相关文献中关于银行数字化与金融系统韧性相关联的研究结果一致（Ozili, 2018；以及后续的实证研究）。 【重要数据覆盖提示】与本系列作者的其他数据集不同，本数据集覆盖的时间段并不统一。乌克兰国家银行（National Bank of Ukraine，NBU）发布的非现金支付统计数据并不规律：部分发布涵盖完整日历年度，有一份发布仅覆盖2022年5月至12月，且作者在汇编本数据集时可获取的最新两个数据点为2024年与2025年的第一季度单季度数据。数据集中每一行的Period与Period_Type列均明确标注其覆盖的具体时段；本数据集不应被视为规整的年度或季度时间序列，读者不得在不同类型的数据行之间进行线性插值。作者在汇编时未能找到一份官方发布同时提供完整的2024年度数据与2022年第一季度（入侵前）数据；需要更完整覆盖范围的研究人员可直接查阅乌克兰国家银行发布的支付卡市场季度报告（详见下文来源），此类报告以叙事性文本形式发布，而非可下载的结构化数据集。 【研究方法与数据来源】本数据集从乌克兰国家银行发布的一系列独立新闻稿与支付卡市场报告中手动汇编而成，各报告覆盖的时间段如前文所述。未进行任何额外计算；所有数据均按各发布文件中的原始内容转录。 【联系方式】 伊利娅·基谢廖夫（Illia Kyselov），法学博士 乌克兰扎波罗热州博赫丹·赫梅利尼茨基梅利托波尔国立师范大学法律系副教授 CMSA (R)、FPWMP (R) 及 BIDA (R)（企业金融研究院） 电子邮箱：[e-mail] 作者欢迎与他人合作发表Scopus收录的学术成果，以及开展基于乌克兰经济与金融统计数据的进一步研究。欢迎就本数据集、潜在合作署名或数据获取需求进行咨询。