title: ÐÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ð½ÑÐµ Ð¿ÑÐ°ÐºÑÐ¸ÐºÐ¸ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð´Ð»Ñ ÑÐ¾Ð·Ð´Ð°Ð½Ð¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ñ ÑÐºÐ¾ÑÐ¸ÑÑÐµÐ¼
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Perspective application practices digital technologies for creating banking ecosystems
Creators: name: Ð§ÑÐ½ ÐÑ Ñ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: 2021
Subjects: Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ°Ñ ÑÐºÐ¾ÑÐ¸ÑÑÐµÐ¼Ð°
ÑÐ¸ÑÑÐ¾Ð²Ð°Ñ ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÐºÐ°
Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ðµ Ð´ÐµÐ»Ð¾
Ð¸Ð½ÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¾Ð½Ð½ÑÐµ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¸
banking ecosystem
digital economy
banking
information technology

description: Ð Ð½Ð°ÑÑÐ¾ÑÑÐµÐµ Ð²ÑÐµÐ¼Ñ ÑÐ¾Ð·Ð´Ð°Ð½Ð¸Ðµ Ð¸Ð½Ð½Ð¾Ð²Ð°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ Ð¸Ð½ÑÑÐ°ÑÑÑÑÐºÑÑÑÑ Ð² Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¼ ÑÐµÐºÑÐ¾ÑÐµ ÑÐ²Ð»ÑÐµÑÑÑ Ð½ÐµÐ¾Ð±ÑÐ¾Ð´Ð¸Ð¼Ð¾Ð¹ Ð¿ÑÐµÐ´Ð¿Ð¾ÑÑÐ»ÐºÐ¾Ð¹ Ð¿Ð¾Ð´Ð´ÐµÑÐ¶Ð°Ð½Ð¸Ñ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¾ÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ Ð±Ð°Ð½ÐºÐ¾Ð² Ð² Ð±Ð¾ÑÑÐ±Ðµ Ð·Ð° ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² Ð¸ ÑÑÐ½Ð¾Ðº. Ð¦Ð¸ÑÑÐ¾Ð²Ð°Ñ ÑÑÐ°Ð½ÑÑÐ¾ÑÐ¼Ð°ÑÐ¸Ñ ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÐºÐ¸ Ð¿ÑÐµÐ´Ð¿Ð¾Ð»Ð°Ð³Ð°ÐµÑ Ð½Ðµ ÑÐ¾Ð»ÑÐºÐ¾ Ð²Ð½ÐµÑÐ½ÑÑ Ð¼Ð¾Ð´ÐµÑÐ½Ð¸Ð·Ð°ÑÐ¸Ñ Ð±Ð°Ð½ÐºÐ°, Ð½Ð¾ Ð¸ ÑÐµÑÑÑÑÐºÑÑÑÐ¸Ð·Ð°ÑÐ¸Ñ Ð±Ð¾Ð»ÑÑÐµÐ¹ ÑÐ°ÑÑÐ¸ Ð²Ð½ÑÑÑÐµÐ½Ð½ÐµÐ¹ ÑÐ¸ÑÑÐµÐ¼Ñ ÑÐ°Ð±Ð¾ÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð². Ð Ð±Ð»Ð¸Ð¶Ð°Ð¹ÑÐ¸Ðµ Ð´ÐµÑÑÑÐ¸Ð»ÐµÑÐ¸Ñ ÑÐ¸ÑÑÐ¾Ð²Ð¾Ðµ ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ðµ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð³Ð¾ ÑÐµÐºÑÐ¾ÑÐ° Ð±ÑÐ´ÐµÑ ÑÑÐºÐ¾ÑÑÑÑÑÑ, Ð¸ ÑÐ°Ð·ÑÐ¼Ð½Ð¾Ðµ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÑÐ¸ÑÑÐ¾Ð²ÑÐ¼Ð¸ Ð¿ÑÐµÐ¾Ð±ÑÐ°Ð·Ð¾Ð²Ð°Ð½Ð¸ÑÐ¼Ð¸ Ð² Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¼ ÑÐµÐºÑÐ¾ÑÐµ ÑÑÐ°Ð½ÐµÑ Ð½ÐµÐ¾ÑÑÐµÐ¼Ð»ÐµÐ¼ÑÐ¼ Ð¿ÑÐµÐ¸Ð¼ÑÑÐµÑÑÐ²Ð¾Ð¼ Ð² ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ½Ð¾Ð¹ ÑÑÐµÐ´Ðµ. ÐÑÐ½ÐµÑÐ½ÑÑ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ¸Ñ Ð² Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ð¼ ÑÐµÐºÑÐ¾ÑÐµ Ð¾Ð±Ð¾ÑÑÑÑÐµÑÑÑ Ð´Ð°Ð¶Ðµ Ð±ÐµÐ· Ð²Ð½ÐµÐ´ÑÐµÐ½Ð¸Ñ Ð½Ð¾Ð²ÐµÐ¹ÑÐ¸Ñ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð² Ð¼ÐµÑÐ°Ð½Ð¸Ð·Ð¼ Ð¾Ð±ÑÐ»ÑÐ¶Ð¸Ð²Ð°Ð½Ð¸Ñ ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð², Ð´Ð°Ð¶Ðµ ÑÐ°Ð¼ÑÐµ ÑÐ¸Ð»ÑÐ½ÑÐµ Ð±Ð°Ð½ÐºÐ¸ Ñ ÐºÐ¾Ð½ÑÐµÑÐ²Ð°ÑÐ¸Ð²Ð½Ð¾Ð¹ ÑÑÑÐ°ÑÐµÐ³Ð¸ÐµÐ¹ Ð´Ð¾Ð»Ð¶Ð½Ñ Ð±ÑÐ´ÑÑ Ð½ÐµÑÑÐ¸ Ð¿Ð¾ÑÐµÑÐ¸ Ð·Ð½Ð°ÑÐ¸ÑÐµÐ»ÑÐ½ÑÑ ÑÐ»Ð¾ÐµÐ² ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² Ð¸Ð»Ð¸ Ð´Ð°Ð¶Ðµ Ð¿Ð¾ÐºÐ¸Ð½ÑÑÑ ÑÑÐ½Ð¾Ðº Ð¿Ð¾Ð´ Ð´Ð°Ð²Ð»ÐµÐ½Ð¸ÐµÐ¼ Ð±Ð¾Ð»ÐµÐµ Ð¿ÑÐ¾Ð´Ð²Ð¸Ð½ÑÑÑÐµ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÑ, ÑÐ°ÐºÐ¸Ðµ ÐºÐ°Ðº IT-ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸. Ð­ÑÐ¾Ñ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°ÑÐµÐ»ÑÑÐºÐ¸Ð¹ Ð¿ÑÐ¾ÐµÐºÑ Ð½Ð°Ð¿ÑÐ°Ð²Ð»ÐµÐ½ Ð½Ð° Ð²ÑÑÐ²Ð»ÐµÐ½Ð¸Ðµ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ð½ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð¸ Ð¼ÐµÑÐ¾Ð´Ð¾Ð², ÑÐ°Ð·Ð»Ð¸ÑÐµÐ½Ð¸Ðµ Ð¸Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸Ñ Ð² Ð±Ð°Ð½ÐºÐ°Ñ ÑÐ°Ð·Ð½ÑÑ ÑÑÑÐ°Ð½, ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÑ Ð¾ÑÐµÐ½ÐºÐ¸ ÑÑÑÐµÑÑÐ²ÑÑÑÐ¸Ñ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð¸ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð¸Ðµ Ð¸Ñ Ð²Ð»Ð¸ÑÐ½Ð¸Ñ Ð½Ð° Ð±ÑÐ´ÑÑÐµÐµ Ð¾ÑÑÐ°ÑÐ»Ð¸. ÐÐ¾ÑÑÑÐ¾ÐµÐ½Ð¸Ðµ ÐºÐ»Ð°ÑÑÐµÑÐ½Ð¾Ð¹ Ð¼Ð¾Ð´ÐµÐ»Ð¸ Ñ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸ÐµÐ¼ Ð´Ð°Ð½Ð½ÑÑ Ð¾Ð± Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸Ð¸ ÑÐ¸ÑÑÐ¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð² ÑÐ°Ð·Ð½ÑÑ ÑÑÑÐ°Ð½Ð°Ñ Ð´Ð°ÑÑ Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½Ð¾ÑÑÑ Ð¾ÑÐµÐ½Ð¸ÑÑ ÑÐ°ÑÐ¿ÑÐ¾ÑÑÑÐ°Ð½ÐµÐ½Ð¸Ðµ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¿ÐµÑÐµÐ´Ð¾Ð²ÑÑ ÑÐµÑÐ½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð´Ð»Ñ ÑÐ¾Ð·Ð´Ð°Ð½Ð¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¸Ñ ÑÐºÐ¾ÑÐ¸ÑÑÐµÐ¼ Ð² ÑÐ°Ð·Ð»Ð¸ÑÐ½ÑÑ Ð¾Ð±Ð»Ð°ÑÑÑÑ Ð¸ Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°ÑÑ Ð¸Ñ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ñ Ñ ÑÐ¾ÑÐºÐ¸ Ð·ÑÐµÐ½Ð¸Ñ Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½Ð¾ÑÑÐ¸ Ð¸Ð·Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ Ð²ÑÐµÐ¹ ÑÐ¸ÑÑÐµÐ¼Ñ. Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ°Ñ ÑÑÑÑÐºÑÑÑÐ° ÐºÐ°Ðº Ð¸Ð½ÑÑÐ¸ÑÑÑ.
description: Currently, the creation of an innovative infrastructure in the banking sector is a prerequisite for maintaining the competitiveness of banks in the struggle for customers and the market. The digital transformation of the economy involves not only the external modernization of the bank, but also the restructuring of most of the internal system of work of commercial banks. The digital development of the financial sector will accelerate in the coming decades, and smart digital governance in the banking sector will become an inherent advantage in a competitive environment. The current competition in the banking sector is exacerbated even without the introduction of the latest technologies in the customer service mechanism, even the most powerful banks with a conservative strategy will have to suffer the loss of significant segments of customers or even leave the market under pressure from more advanced competitors such as IT companies. This research project aims to identify promising technologies and methods, distinguish between their use in banks in different countries, evaluate the effectiveness of existing technologies and suggest their impact on the future of the industry. Building a cluster model using data on the use of digital technologies in different countries will make it possible to assess the spread of the use of advanced technologies to create banking ecosystems in various fields and analyze their prospects in terms of the possibility of changing the entire system. banking structure as an institution.