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The financial ecosystem – a basic trend of the banking business model digital transformation



N.P. Radkovskaya
O.E. Fomicheva
nprad2@gmail.com
ofomichieva@bk.ru
Professor, the Department of Banks, Financial Markets and Insurance, Saint-Petersburg State University of Economics, Doctor of Economics, Full Professor
PhD student, the Department of Banks, Financial Markets and Insurance, Saint-Petersburg State University of Economics
Saint-Petersburg
Saint-Petersburg

Keywords:

  • ecosystem
  • IT-platform
  • customer focus
  • digital economy
  • multichannel and omnichannel
  • The article examines methodological approaches to defining the concept of both ecosystem and its model. In order to get integrated into information society and to digital economy the banks need to speed up the process of shifting from the existing business model to the financial ecosystem based on the use of contemporary digital technologies. The authors classify basic trends of creating financial ecosystem and present forms of transformation of financial institution business model (bank).

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