Abstract
The article considers peculiarities of the activities of the main participants in the financial market, in particular banking in the context of digitalization and the introduction of artificial intelligence tools. At present, artificial intelligence (AI) technologies have a significant impact on human life, both in the process of instant transfers and in conversational interfaces. This affects the financial services sector, and its members are the most active in introducing disruptive AI innovations. Therefore, in order to increase the level of competitiveness, modern banks should act as locomotives in addressing issues of implementation, use of digital technologies and acceleration of methods of remote work. The COVID-19 pandemic has made its own adjustments to the concept of interaction of financial institutions with customers, for most of whom remote services have become an integral part of everyday life. The increasing demand for telecommuting services of financial institutions stimulates the creation of digital platforms that take into account both the processes of global digitalization and the changed demands of consumers in the context of a pandemic. This article provides an analytical overview of trends, obstacles and prospects for the integration of financial ecosystems and marketplaces in the Russian market. The necessity of using an integrated approach in developing the rules for the functioning of financial ecosystems in the formation of an adequate development strategy, which will ensure the creation of a fair competitive environment in the financial market, has been substantiated. The aim of the research is to identify the main trends and patterns in the financial services market, as well as to determine the vector for further development of financial ecosystems formed using artificial intelligence tools. To achieve this goal such general scientific methods as theoretical generalization, analysis and synthesis, comparative analysis, systems approach, etc. have been used.
Highlights
Artificial intelligence (AI) technologies have a significant impact on human life, both in the process of instant transfers and in conversational interfaces
In order to increase the level of competitiveness, modern banks should act as locomotives in addressing issues of implementation, use of digital technologies and acceleration of methods of remote work
The COVID-19 pandemic has made its own adjustments to the concept of interaction of financial institutions with customers, for most of whom remote services have become an integral part of everyday life
Summary
Статья посвящена особенностям деятельности основных участников финансового рынка, в частности банковской деятельности в условиях цифровизации и внедрения инструментов искусственного интеллекта. Что в настоящее время значительное влияние на жизнь человека оказывают технологии искусственного интеллекта (ИИ) как в процессе осуществления мгновенных переводов, так и в разговорных интерфейсах. Увеличение спроса на дистанционные услуги финансовых организаций стимулирует создание цифровых платформ, учитывающих как процессы глобальной цифровизации, так и изменившиеся запросы потребителей в условиях пандемии. Обосновывается необходимость использования комплексного подхода при разработке правил функционирования финансовых экосистем при формировании адекватной стратегии развития, что позволит обеспечить создание добросовестной конкурентной среды на финансовом рынке. Цель исследования – выявление основных тенденций и закономерностей на рынке финансовых услуг, а также определение вектора дальнейшего развития финансовых экосистем, формируемых с использованием инструментов искусственного интеллекта. Банковские экосистемы и маркетплейсы: тенденции цифровизации // Новые технологии. Зоран Чекеревац Банковские экосистемы и маркетплейсы: тенденции цифровизации
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