En
Register Log in

List of publications on a keyword: «commercial bank»

  • Principles of formation of the ecosystem of a commercial bank

    Book Chapter
    Principles of building a new ecosystem: social, economic and legal aspects
    Author:
    Andrei V. Minakov
    Work direction:
    Глава 3
    Abstract:
    The chapter examines the principles of forming a commercial bank's ecosystem as a strategic transition from the role of an isolated financial intermediary to that of an operator providing comprehensive services for various aspects of clients' lives. The core principles include hyper-personalization, open APIs, modular architecture, and a high degree of customer centricity. Based on economic-statistical analysis, a comparative analysis of Russian bank ecosystems (Sber, Yandex, T-Bank), and a client survey, it is established that ecosystem formation is grounded in the principles of a unified digital platform, customer orientation, modularity, and security. The analysis confirms steady growth in the number of clients and revenue, but also reveals risks of monopolization and insufficient regulation. In the future, improvements to the regulatory framework are required, including the introduction of risk-sensitive limits.
    Keywords:
    commercial bank, banking ecosystem, banking operations, banking products, banking application, bank income
    Go 

  • Classification and Features of Banking Services Strategies Promotion

    Book Chapter
    Culture. Science. Education: Current Issues
    Authors:
    Ekaterina V. Pisareva, Elena I. Shevchenko
    Work direction:
    Глава 2. Наука
    Abstract:
    In order to retain loyal customers and attract prospective ones, commercial banks need to effectively build a corporate strategy that is aimed at studying customers’ needs. The main channels for promoting the services of a commercial bank are described. The authors of the article come to the conclusion that in conditions of increasing competition, credit organizations are moving away from traditional methods of customer service and increasingly resorting to the use of new remote sales channels.
    Keywords:
    strategy, marketing, bank strategy, commercial bank, banking services promotion, communication strategy
    Go 

  • The features of the principles of educational services lending

    Research Article
    Development of education No 1 (1)
    Authors:
    Tatyana V. Belianchikova, Evgenij N. Levashov
    Work direction:
    Educational policy
    Abstract:
    The article deals with the basic principles of lending in relation to the market of educational services. The characteristic of the specific features of the principles of lending of the main and accompanying loans provided by commercial banks to borrowers for their studying in higher educational institutions is given. The directions of financing and support of students of various social groups from the state, including guarantees and subsidies are studied by the author. The system of contracts concluded at various stages of the credit process in the field of education is highlighted.
    Keywords:
    educational services, loans, commercial banks, security, guarantee, subsidies, credit principles, creditworthiness
    Go