Digital economy: Conceptual architecture of a digital economic sector ecosystem
The main objective of digital transformation is to fulfill the needs of a “new digital generation customer” for on-demand delivery, quality and personalization. ''Anything as a service” has become the key principle of the digital paradigm. This is about a data-oriented service which relies on sharing information resources (including public ones) and the requirements for interoperability, security and trust. This paper presents the main approaches to digital transformation based on the example of the most innovatively active sectors such as banking and healthcare. We compare the proprietary development of digital services (products) to the building of a digital sector ecosystem aimed at attracting an unlimited number of participants. We defined the purpose of creating an ecosystem that is to provide the population with digital services formed on demand, in real time, in compliance with legislation and regulations, as well as in the context of maximum trust. We emphasize the role of openness for uniting the efforts of the community interested in the development of a digital industry, extension of public-private partnerships and building a competitive environment in order to ensure the rapid growth of available digital services, as well as to improve their quality. Since the knowledge economy is the basis for the digital economy, the authors consider it especially important to form a semantic core which acts as the carrier of knowledge in a digital sector ecosystem. We confirmed the necessity to implement the semantic core by a brief analysis of modern semantic approaches to standardization of information sharing in the abovementioned industries, such as FIBO, BIAN (banking), HL7 and UMLS (health). The research carried out allowed the authors to design the conceptual architecture of the ecosystem and to suggest several proposals for digital transformation of an industry. The proposals express the necessity of state support for innovation and providing the conditions for the entry of new digital products based on the following principles: accessibility, timeliness, personalization, adaptability and security.