DOI: 10.25136/2409-7802.2022.4.38887

Abstract: The financial sector of the economy, in particular represented by commercial banks, is one of the most progressive. This article analyzes the modern banking sector of the economy, an attempt is made to study the impact of financial technologies on the development and transformation of the banking sector of the Russian economy. To achieve the goals of the study, the authors studied the scientific works of domestic and foreign authors on relevant topics. Based on a review of the literature and an analysis of existing definitions, the author's definition of the concept of financial technology is given, the concepts of fintech and fintech startups are separated. On the basis of statistical data, the authors present data on the volume of fintech transactions, the number of neobanking users, and conduct a macroeconomic content analysis of the level of implementation of financial technologies in the activities of commercial banks. Based on the results of the analysis, the authors came to the conclusion that financial technologies have a significant impact on the development and transformation of both the banking sector of the economy itself and the types of cooperation between commercial banks and fintech startups. At the same time, the level of implementation of financial technologies and the types of interactions between commercial banks and fintech start-ups directly depend on the amount of assets and revenue of commercial banks, and these factors, in turn, influence the determination of the further strategy for the development of commercial banks and their transformation. Given the conditions prevailing in the Russian market, the fintech industry will primarily develop both within the banking sector of the economy and, to a large extent, in cooperation with commercial banks.

DOI: 10.25136/2409-7802.2022.3.38053

Abstract: The process of active digitalization plays an important role in solving a number of urgent tasks, and, in particular, in the field of finance. Together with the development of innovative information technologies and their implementation in all spheres of the economy, multiple optimization of the processes of rendering services, significant changes are observed not only in the types and methods of providing services, but also in general transformation of business models of operating economic entities. The object of research of this article is digital ecosystems based on technological and telecommunication companies. The subject of the research is the principles and models of functioning of digital ecosystems based on technological and telecommunication companies. The relevance of this study lies in the fact that in the conditions of universal digitalization, the boundaries of the services provided by the largest market participants are not only blurred, but their business models are also changing significantly. Within the framework of this study, the authors have revealed approaches to the definition of the concept of ecosystem. The analysis of the largest Russian digital ecosystems based on technology and telecommunications companies, and, in particular, their financial services, is carried out. The analysis was carried out on the basis of such digital ecosystems and their financial services as Yandex, VK Group and MTS. Conclusions are drawn based on the analyzed data and the author's forecasts about the further development of financial services of digital ecosystems based on technological and telecommunications companies are given.