Abstract
The article discusses the prerequisites for the creation of banking ecosystems. The author concludes that the main of such prerequisites are: reduction of income from traditional banking operations and banks’ desire to increase profits at the expense of non-bank income; introduction of new, including digital technologies; availability of personal customer data (big data) at banks. The advent of remote identification and customer service systems has ensured the availability of banking services and expanded the customer base. The formation of new behavioral preferences of customers through calculations and other operations provided an opportunity for credit institutions to improve their services.The main prerequisites for the creation of banking ecosystems have caused the transformation of banking activities.The theory offers various definitions of the concept of “banking ecosystems”, which reveal the legal nature of ecosystems in different ways, or contain one or more of its features. The author came to the conclusion that such definitions are based on institutional or instrumental features.Based on the conducted research, the article substantiates that in Russian law, banking ecosystems are built according to the type of a banking group (holding).
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