FORMATION OF BANKS ECOSYSTEMS IN CONDITIONS OF DIGITALIZATION OF BANKING SPACE

Abstract

This article discusses methodological approaches to the definition of the concept of "ecosystem" and its models. The main trends of financial ecosystem creation are systematized, forms of transformation of business model of financial organization (bank) are presented, which involve transition from "classical organization" and "ecosystem." In addition, the advantages of the bank 's ecosystem are presented taking into account all the main elements of the banking system, which are the formation by banks of sets of services to most fully meet the needs of the client in any area. Peculiarities of existing ecosystems both in the world and in the domestic financial market have been identified. On the basis of the analysis carried out, the most developed ecosystems were identified at Sberbank, Tinkoff Bank, VTB Bank in conditions of digitalization of banking space. Basic trends are justified, which will ensure the growth of banks "interest in ecosystems, as well as possible ways to introduce them into the business model of classic banks.