FEATURES OF DEVELOPMENT OF "NICHE" FINANCIAL MARKET ECOSYSTEMS
The modern period of development of the economic space is associated with the processes of digitalization and transformation of classical banking institutions into ecosystem formations. Russian banks are not fully digital banking institutions, most do not have an operational data management model. To diversify their activities and compete for new market segments, banks need to work on an edge, like technology companies. Therefore, banks need to integrate with IT companies to create a business vertical. The generalization of the performance indicators of Asian and American ecosystem formations confirms the effectiveness of integration transformations by ecosystem type. The theoretical justification of the development of ecosystems is the subject of scientific discussion, which is due to the lack of a clear definition and the versatility of the object of research. The methodological basis of the research was the theories of A. Smith, D. Nash, neo-institutional theory and conceptual provisions of management, investment integrated activities, dynamic abilities. As a result of the bibliographic analysis, priority theoretical directions of ecosystem development are identified. Based on the analysis of the indicators of the development of ecosystems of the domestic market, the priority of the strategy of "niche" ecosystem development is revealed,the leader of this direction is the ecosystem of the Tinkoff group, which demonstrates high growth rates and profitability of business with an optimal level of innovative investments.