Akcije

International Review
kako citirati ovaj članak
podeli ovaj članak

Metrika

  • citati u SCIndeksu: 0
  • citati u CrossRef-u:0
  • citati u Google Scholaru:[]
  • posete u poslednjih 30 dana:15
  • preuzimanja u poslednjih 30 dana:12

Sadržaj

članak: 2 od 332  
Back povratak na rezultate
2021, br. 1-2, str. 146-152
Evolution of traditional banks' business models
(naslov ne postoji na srpskom)
Moscow State Institute of International Relations - MGIMO University, Moscow, Russia

e-adresagpanova@mail.ru
Ključne reči: innovation; technology; financial market; banks; business models; digital platform; ecosystem
Sažetak
(ne postoji na srpskom)
The article considers topical issues of how banks are developing in the new realities of the digital economy, and presents the results of research on theoretical and practical aspects of banks' business models evolution. The methodology uses such approaches as scientific abstraction, system and factor analysis, methods of grouping, detailing, and synthesis. The topic is relevant for banks first of all from the economic science point of view, since until now the conceptual apparatus of not only the types of bank business models but also the definition of bank business models and their ecosystems remain controversial. However, in practice the applying of new strategic solutions is needed to solve the triune task: to ensure profitability of banks' business while maintaining liquidity and minimizing risks. The obtained results allowed us to reveal the important role of the banks' business models innovative transformation, as well as to reveal the tendency of improving the intermediary function of banks on the modern stage of digital technologies' development. The article substantiates the need to develop new approaches to administering business processes, expanding banking activities using digital platforms, and reveals the problem that requires the speediest solutions in developing regulation standards for financial ecosystems.
Reference
*** (2018) Platform banking: A business model for the digital age. Accenture, October
*** (2019) The changing nature of work. Washington: World Bank, World Development Report
*** (2018) Main directions of the financial technologies development for the 2018-2020 period. Bank of Russia
*** (2018) Banks in the changing world of financial intermediation. McKinsey Report
*** (2020) Digital ruble: Report for public consultation. Bank of Russia
*** (2017) Strategic review of retail banking business models: Purpose and scope. Financial Conduct Authority, pp. 5-6
*** (2019) Consultation report on the issues, risks and regulatory considerations relating to crypto-asset trading platforms. International Organization of Securities Commissions
Chuen, D., Deng, R. (2017) Handbook of block chain, digital finance, and inclusion. Academic Press
Gref, G. (2019) Transformation of Sberbank is an eternal process
Gutbrod, M. (2020) Digital transformation in economy and law. Digital Law Journal, 1(1): 12-23
King, B. (2020) Bank 4.0: Banking everywhere, never at a bank. John Wiley & Sons
Panova, G., ed. (2021) Financial markets evolution: From the classical model to the ecosystem: Challengers, risks, new features. Palgrave Macmillan
Schwab, K. (2017) The fourth industrial revolution. New York: Crown Business
Schwab, K., Malleret, T. (2020) COVID-19: The great reset. World Economic Forum
Sologubova, G.S. (2019) Components of digital transformation. Moscow: Yurayt Publishing House, (In Russian)
Stepnov, I., ed. (2021) Technology and business strategy: Digital uncertainty and digital solutions. Palgrave Macmillan
Trushina, K.V., Smagin, A.V. (2019) Main trends in the development of the banking system of the Russian Federation at the present stage. Banking services, 12: 7-11
 

O članku

jezik rada: engleski
vrsta rada: pregledni članak
DOI: 10.5937/intrev2102148P
primljen: 12.04.2021.
revidiran: 15.06.2021.
prihvaćen: 10.07.2021.
objavljen u SCIndeksu: 07.08.2021.
Creative Commons License 4.0