title: ÐÐ½Ð°Ð»Ð¸Ð· ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð² Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¹ Ð¸ Ð±ÑÐ¾ÐºÐµÑÑÐºÐ¾Ð¹ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÑÐºÐ¾ÑÐ¸ÑÑÐµÐ¼Ñ Â«Ð¢Ð¸Ð½ÑÐºÐ¾ÑÑÂ»
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¼Ð°Ð³Ð¸ÑÑÑÐ°
titleType: Subtitle
title: Analysis of digital technologies in banking and brokerage activities on the example of the Tinkoff ecosystem
Creators: name: ÐÑÐ°ÐºÐµÐ»ÑÐ½, Ð Ð¾Ð·Ð°
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2023
Subjects: ÑÐ¸ÑÑÐ¾Ð²ÑÐµ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¸
ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ñ
Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ°Ñ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÑ
Ð±ÑÐ¾ÐºÐµÑÑÐºÐ°Ñ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÑ
Ð½ÐµÐ¾Ð±Ð°Ð½ÐºÐ¸
ÑÐ¾Ð±ÑÑÐ¸Ð¹Ð½ÑÐ¹ Ð°Ð½Ð°Ð»Ð¸Ð·
ÑÐµÐ³ÑÐµÑÑÐ¸Ð¾Ð½Ð½ÑÐ¹ Ð°Ð½Ð°Ð»Ð¸Ð·
digital technologies
digitalization
banking
brokerage
neo-banking
event analysis
regression analysis

description: Ð¦ÐµÐ»ÑÑ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ Ð¿ÑÐ¾Ð²ÐµÑÐºÐ° Ð³Ð¸Ð¿Ð¾ÑÐµÐ·Ñ Ð¾ Ð¿Ð¾Ð»Ð¾Ð¶Ð¸ÑÐµÐ»ÑÐ½Ð¾Ð¼ Ð²Ð»Ð¸ÑÐ½Ð¸Ð¸ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð½Ð° ÑÐµÐ½Ð½ÑÐµ Ð±ÑÐ¼Ð°Ð³Ð¸, Ð° ÑÐ°ÐºÐ¶Ðµ Ð³Ð¸Ð¿Ð¾ÑÐµÐ·Ñ Ð¾ Ð²Ð»Ð¸ÑÐ½Ð¸Ð¸ Ð·Ð°ÑÑÐ°Ñ Ð½Ð° Ð½ÐµÐ¼Ð°ÑÐµÑÐ¸Ð°Ð»ÑÐ½ÑÐµ Ð°ÐºÑÐ¸Ð²Ñ Ð½Ð° Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»Ð¸ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Ð¸ ÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¹ Ð¿Ð¾ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹. ÐÑÐ»Ð¸ ÑÐµÑÐµÐ½Ñ ÑÐ»ÐµÐ´ÑÑÑÐ¸Ðµ Ð·Ð°Ð´Ð°ÑÐ¸: 1. ÐÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°ÑÑ ÑÐµÐºÑÑÐ¸Ð¹ ÑÑÐ¾Ð²ÐµÐ½Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð³Ð¾ Ð¸ Ð±ÑÐ¾ÐºÐµÑÑÐºÐ¾Ð³Ð¾ ÑÐµÐºÑÐ¾ÑÐ¾Ð². 2. ÐÐ°ÑÑ Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð¸Ðµ Â«Ð½ÐµÐ¾Ð±Ð°Ð½ÐºÐ¾Ð²Â» Ð¸ Ð¿ÑÐ¾Ð²ÐµÑÑÐ¸ SWOT Ð°Ð½Ð°Ð»Ð¸Ð·. 3. ÐÐ·ÑÑÐ¸ÑÑ ÑÐ¸ÑÑÐ¾Ð²ÑÐµ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¸, ÐºÐ¾ÑÐ¾ÑÑÐµ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·ÑÐµÑ Ð³ÑÑÐ¿Ð¿Ð° Ð¢Ð¸Ð½ÑÐºÐ¾ÑÑ. 4. ÐÐ·ÑÑÐ¸ÑÑ Ð²Ð»Ð¸ÑÐ½Ð¸Ðµ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° ÑÑÑÐ°ÑÐµÐ³Ð¸ÑÐµÑÐºÐ¸Ðµ Ð¿ÑÐ¾ÑÐµÑÑÑ. 5. ÐÑÐ¾Ð²ÐµÑÐ¸ÑÑ Ð³Ð¸Ð¿Ð¾ÑÐµÐ·Ñ Ð¾ Ð²Ð»Ð¸ÑÐ½Ð¸Ð¸ Ð½Ð¾Ð²Ð¾ÑÑÐµÐ¹ Ð¾ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° ÐºÐ¾ÑÐ¸ÑÐ¾Ð²ÐºÐ¸ ÑÐµÐ½Ð½ÑÑ Ð±ÑÐ¼Ð°Ð³. 6. ÐÑÑÐ²Ð¸ÑÑ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ñ Ð¸ ÑÐµÑÐµÐ½Ð¸Ñ, Ð²Ð¾Ð·Ð½Ð¸ÐºÐ°ÑÑÐ¸Ðµ Ð¿ÑÐ¸ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ð¸ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹. 7. ÐÑÐ¾Ð²ÐµÑÐ¸ÑÑ Ð³Ð¸Ð¿Ð¾ÑÐµÐ·Ñ Ð¾ Ð²Ð»Ð¸ÑÐ½Ð¸Ð¸ Ð²Ð»Ð¾Ð¶ÐµÐ½Ð¸Ð¹ Ð² Ð½ÐµÐ¼Ð°ÑÐµÑÐ¸Ð°Ð»ÑÐ½ÑÐµ Ð°ÐºÑÐ¸Ð²Ñ Ð½Ð° Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»Ð¸ Ð³ÑÑÐ¿Ð¿Ñ Ð¢Ð¸Ð½ÑÐºÐ¾ÑÑ. 8. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐ°ÑÑ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð¿Ð¾ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹. ÐÐ»Ñ Ð°Ð½Ð°Ð»Ð¸Ð·Ð° Ð²Ð»Ð¸ÑÐ½Ð¸Ñ ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° ÑÐµÐ½Ð½ÑÐµ Ð±ÑÐ¼Ð°Ð³Ð¸ TCS GROUP Ð¿ÑÐ¾Ð²Ð¾Ð´Ð¸Ð»Ð°ÑÑ Ñ Ð¿Ð¾Ð¼Ð¾ÑÑÑ Ð¿Ð°ÐºÐµÑÐ° MS Office (Excel). Ð ÐµÐ³ÑÐµÑÑÐ¸Ð¾Ð½Ð½ÑÐ¹ Ð°Ð½Ð°Ð»Ð¸Ð· Ð²Ð»Ð¸ÑÐ½Ð¸Ñ Ð·Ð°ÑÑÐ°Ñ Ð½Ð° Ð½ÐµÐ¼Ð°ÑÐµÑÐ¸Ð°Ð»ÑÐ½ÑÐµ Ð°ÐºÑÐ¸Ð²Ñ Ð½Ð° Ð²ÑÑÑÑÐºÑ Ð¸ ÑÐ¸ÑÑÑÐµ ÐºÐ¾Ð¼Ð¸ÑÑÐ¸Ð¾Ð½Ð½ÑÐµ Ð´Ð¾ÑÐ¾Ð´Ñ Ð¾ÑÑÑÐµÑÑÐ²Ð»ÑÐ»ÑÑ Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸ÐµÐ¼ Ð¿Ð°ÐºÐµÑÐ° MS Office (Excel). ÐÑÑÐ¾ÑÐ½Ð¸ÐºÐ°Ð¼Ð¸ Ð¸Ð½ÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¸ Ð²ÑÑÑÑÐ¿Ð¸Ð»Ð¸ Ð´Ð°Ð½Ð½ÑÐµ Ð¾ÑÐµÑÐµÑÑÐ²ÐµÐ½Ð½Ð¾Ð¹ Ð¸ Ð·Ð°ÑÑÐ±ÐµÐ¶Ð½Ð¾Ð¹ Ð½Ð°ÑÑÐ½Ð¾-Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°ÑÐµÐ»ÑÑÐºÐ¾Ð¹ Ð»Ð¸ÑÐµÑÐ°ÑÑÑÑ, Ð¾ÑÐ¸ÑÐ¸Ð°Ð»ÑÐ½ÑÑ ÐÐ½ÑÐµÑÐ½ÐµÑ-ÑÐµÑÑÑÑÐ¾Ð² Ð¸ Ð°Ð½Ð°Ð»Ð¸ÑÐ¸ÑÐµÑÐºÐ¸Ñ Ð°Ð³ÐµÐ½ÑÑÑÐ².Â  ÐÐ¾Ð´ÑÐ²ÐµÑÐ¶Ð´ÐµÐ½Ñ Ð³Ð¸Ð¿Ð¾ÑÐµÐ·Ñ Ð¸ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ñ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð´Ð»Ñ Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ñ ÑÑÐµÑÐ¾Ð¼ Ð¼ÐµÐ¶Ð´ÑÐ½Ð°ÑÐ¾Ð´Ð½Ð¾Ð³Ð¾ Ð¾Ð¿ÑÑÐ°.
description: The aim of the work is to test the hypothesis about the positive impact of the introduction of digital technologies on securities, as well as the hypothesis about the impact of costs on intangible assets on the performance of the company and the formation of recommendations for the introduction of digital technologies. The following tasks were solved: 1. Analyze the current level of digitalization of the banking and brokerage sectors. 2. Define "neobanks" and conduct a SWOT analysis. 3. Study the digital technologies used by the Tinkoff group. 4. Study the impact of digitalization on strategic processes. 5. Check hypotheses about the impact of news about digitalization on securities quotes. 6. Identify problems and solutions that arise in the implementation of digital technologies. 7. Check hypotheses about the impact of investments in intangible assets on the indicators of the Tinkoff group. 8. Develop recommendations for the introduction of digital technologies. To analyze the analysis of the development of digital papers, TCS GROUP was carried out using the MS Office (Excel) package. The regression analysis of the analysis of the cost of intangible assets on income and net commission entrepreneurs is carried out using the MS Office package (Excel). The sources of information were data from domestic and foreign research literature, official Internet resources and analytical agencies. Hypotheses were confirmed and recommendations were developed for the introduction of digital technologies, taking into account international experience.