SBER AS THE FLAGSHIP OF THE RUSSIAN FINANCIAL ECOSYSTEMS
The digital transformation of the world economy has become the reason for the accelerated development of innovative technologies that ensure the uninterrupted operation of business processes of large technology companies whose activities are focused on the creation of these same technologies, and commercial banks that act as the main consumers of innovations in the field of IT. This process is most actively observed in the sphere of economics andfinance. Under its influence, truly tectonic shifts take place, leading to the formation offundamentally new institutions. Today, one of these are economic and financial ecosystems. Over the past few years, Russian companies from these industries have embarked on the path of creating digital ecosystems to enable horizontal, vertical and conglomerate expansion of their activities in order to maximize financial results. The technologies used by companies allow creating unified and interconnected economic systems within the organization and its partners, which leads to the emergence of a unique economic and financial ecosystem.