Darya Fomina

Darya Fomina

Economy and Finance Columnist
2666 articles
Economics and FinanceExchange Rates and PricesConsumer MarketSociety and Fashion

Covers economic topics at XAB.info. She received her higher education at a polytechnic university with a degree related to accounting, so she treats numbers without enthusiasm or panic: first the report and methodology, then the conclusions.

She writes about exchange rates, prices, taxes, banks, and how government and corporate decisions affect the average person's wallet. She is also interested in society, fashion, and consumer habits — how economics looks in everyday life.

Articles

Person trying to pay by card through a terminal, but the system is not working — illustration for news about the collapse of cashless payments in PrivatBank across Ukraine

Technical Collapse: Cashless Payments Paralyzed Across Ukraine in PrivatBank

Economy 08/15/2026, 13:03
🚨 A major outage occurred at PrivatBank in Ukraine. On the morning of August 15, 2026, payment terminals are not working across the country. 💳 Cards are not processing; money is being deducted, but receipts are not being generated. Queues are forming in stores. 🏦 The bank confirmed the problem: "Difficulties in service operations." The team is already working on restoration. 📉 The incident occurred against the backdrop of new currency operation limits and an update to the Privat24 app. #PrivatBank #Outage #Ukraine #Finance #News2026
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Collage with jerry cans, fuel nozzle and oil rig illustrates cancellation of 100 UAH diesel subsidy and growing price gap between networks in Ukraine

Diesel at 100 hryvnias cancelled: why fuel prices in Ukraine have stabilized, but the gap between networks is growing

Economy 08/15/2026, 11:38
🛢️ Ukraine's fuel market: price gap between networks has grown to 300 UAH per tank! 📉 Forecast for diesel at 100 UAH cancelled, but prices remain volatile. 🌍 Key factor — situation in the Middle East and US-Iran negotiations. ⚠️ Experts advise having a fuel reserve due to attacks on logistics. #Fuel #Prices #Economy #Ukraine
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A schoolboy packing notebooks and stationery into a backpack, illustrating the rising cost of school supplies in Ukraine in 2026

The Price of the First Bell: How the 4,130 UAH Cost of a School Kit Affects Ukrainian Family Budgets in 2026

Economy 08/15/2026, 10:34
🎒 How much does it cost to send a child to school in 2026? The average check for a basic kit has risen to 4,130 UAH. But for some, this is 12% of their salary, and for others — 23%! 📉 Kherson and Sumy regions are in the risk zone. 📈 Lviv region — the leader in income. 💰 State support: 5,000 UAH for first-graders has already been paid to 61,000 families. Read the full breakdown of regional prices and expenses 👇
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Woman trying on sunglasses in a store, illustrating hidden costs on small items and promotions

Hidden Costs: Why Ukrainians Lose Money on Trifles and Promotions — Expert Advice

Economy 08/15/2026, 08:12
💸 Why do Ukrainians spend more than they plan? Expert Taras Kozak explains how small purchases and promotions undermine the budget. 🛒 Checkout trap: impulsive purchases at the register. 📱 Emotional spending: gadgets and electronics on credit. 🏷 Illusion of benefit: discounts on unnecessary items. ☕ Hidden habits: coffee and cigarettes "eat up" thousands of hryvnias. 👉 Read the full analysis in our longread!
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One hundred US dollars against a stock market chart, illustrating the dollar exchange rate forecast for August 2026

Dollar in a narrow corridor: banker forecasts currency rates for the second half of August 2026

Economy 08/15/2026, 07:42
💵 Currency market forecast for August 2026: the dollar will remain in the range of 44.6–45.2 UAH. 📉 Expert Taras Lesovoy (Globus Bank) explained that the exchange rate is influenced not only by the economy but also by psychology: people buy currency as an "emotional vault". 🏦 The NBU rate of 15.5% and deposits up to 17.5% help keep the hryvnia stable, pulling savings into banks. ⚠️ Risks exist: fuel importers may buy up currency, but a sharp collapse is not expected.
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Woman examining smartphones in an electronics store, illustrating the psychology of impulse buying and marketing's influence on financial decision-making

The Psychology of Spending: Why Budgets Fail and How Marketing Tricks Our Brains

Economy 08/15/2026, 06:06
📉 Why isn't your budget working? Taras Kozak, president of the UNIVER group, explains the psychology of spending. 🛒 **Emotions at the checkout:** Small purchases made "on emotion" can eat up to 30% of the budget. 🏷️ **The discount trap:** A 50% discount on an unnecessary item is not saving; it is spending money. 💳 **The credit illusion:** The grace period creates a false sense of wealth, which leads to debt. 💡 **Advice:** Analyze receipts in store apps to see the real picture of expenses.
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Francis Matthew Romanov in a tuxedo against a luxurious backdrop — from British aristocrat to Ukrainian bachelor

From British Aristocrat to Ukrainian Bachelor: Where is Francis Matthew Romanov Now

Culture 08/14/2026, 20:13
🇬🇧 British aristocrat and ex-"Bachelor" Francis Matthew Romanov chose a path away from the paparazzi years after the show. 📸 From shooting for Vogue to working as a stuntman and nutritionist — his biography is full of surprises. 💔 The romance with Elena Ryasnova lasted six months: why did they break up? 🤫 Find out what the descendant of the Romanovs is doing in 2026 and why he hid from the public. #TheBachelor #FrancisRomanov #RBKUkraine
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Worker in a metallurgical plant against the backdrop of molten metal, illustrating the theme of carbon protectionism and CBAM

Carbon Protectionism: US Accuses EU of Double Standards Regarding CBAM

Economy 08/14/2026, 18:30
🇺🇸 The US Ambassador to the EU called the CBAM carbon tax hidden protectionism. In an article for the Financial Times, the diplomat compared the European mechanism to US steel tariffs, noting Brussels' double standards. 🇺🇦 As of January 1, 2026, CBAM will be fully applied to Ukraine, which experts consider a blow to the country's industry, deprived of the ability to modernize due to the war. The European Commission refused exemptions despite force majeure. #CBAM #Ukraine #Trade #Economy
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