Specificity of Organizing Business-Processes in Context of Banking Ecosystem Functioning
https://doi.org/10.21686/2413-2829-2026-3-124-136
Abstract
Digitalization influences all spheres of life. Moreover, the banking field in the majority of cases acts as a pioneer in developing and introducing digital solutions. Striving to retain and expand their client base in conditions of digitalization banks transform into ecosystems and become more oriented to the end consumer of services. Bank policy keeps transforming: from opening retail offices they pass to on-line services, external environment becomes more complicated and clients change, as they want to get the service quickly, with high quality and conveniently on the principle ‘here and now’. Having realized the situation banks give up traditional structures and strengthen their innovation component, move in the direction of setting-up ecosystems around their own brands, introduce nonfinance services and buy shares in services and IT-companies. Availability of a wide range of non-finance services in banks can raise client loyalty and expand the client base. Finance issues lose their priority and the bank becomes an everyday matter, which is not so important in client’s life. In the context of shaping ecosystems in the banking field issues dealing with business-process organization acquire their specific features. The article identifies vector of the further development of process management: typology of business-processes in the context of business-ecosystem functioning was provided; digitalization trends in home finance sector were identified; the approach to businessprocess organization was highlighted, which according to the authors, is the most appropriate one with regard to diversity of activities carried out within the frames of banking ecosystem.
About the Authors
E. A. Gomonko
Peoples’ Friendship University of Russia named after Patrice Lumumba
Russian Federation
Russian Federation
Evelina A. Gomonko, PhD, Assistant Professor, Assistant Professor of the Department of Finance, Accounting and Audit
6 Miklukho-Maklaya Str., Moscow, 117198
A. V. Kazantsev
TechnoEra LLC
Russian Federation
Russian Federation
Alexey V. Kazantsev, PhD, General Director
11 Staropetrovskiy proezd, Moscow, 125130
A. A. Kazantsev
BKS Company LLC
Russian Federation
Russian Federation
Arseniy A. Kazantsev, Data Analyst at the Sales Development Department
building 1, 69 Prospect Mira, Moscow, 129110
References
1. Bykanova N. I. Tsifrovaya transformatsiya bankovskogo marketinga v sovremennykh usloviyakh [Digital Transformation of Banking Marketing in Modern Conditions]. Vestnik Rossiyskogo ekonomicheskogo universiteta imeni G. V. Plekhanova [Vestnik of the Plekhanov Russian University of Economics], 2023, No. 4 (130), pp. 227–234. (In Russ.).
2. Gomonko E. A., Belokopytova O. A., Abdukhamidova Sh. Sh. Sovremennye instrumenty otsenki effektivnosti vypolneniya biznes-protsessov khozyaystvuyushchikh subektov sfery uslug [Modern Tools for Assessing the Effectiveness of Business Processes of Economic Entities in the Service Sector]. Vestnik Belgorodskogo universiteta kooperatsii, ekonomiki i prava [Bulletin of the Belgorod University of Cooperation, Economics and Law], 2024, No. 3 (106), pp. 118–128. (In Russ.).
3. Degles Kh. S., Kelchevskaya N. R. Strategii investirovaniya v intellektualnyy kapital pod vliyaniem modeley sozdaniya tsennosti [Strategies for Investing in Intellectual Capital under the Influence of Value Creation Models]. Voprosy innovatsionnoy ekonomiki [Issues of Innovative Economics], 2020, No. 4, pp. 2213–2232. (In Russ.).
4. Evdokimova E. N. Evolyutsiya protsessnogo podkhoda v upravlenii i perspektivy ego razvitiya [Evolution of Process Management in Management and Prospects for its Development]. Upravlenie ekonomicheskimi sistemami: elektronnyy nauchnyy zhurnal [Management of Economic Situations: electronic scientific journal], 2011, No. 4 (28). (In Russ.). Available at: https://cyberleninka.ru/article/n/evolyutsiya-protsessnogo-podhoda-v-upravlenii-iperspektivy-ego-razvitiya (accessed 22.06.2025).
5. Indikatory tsifrovoy ekonomiki: 2025: statisticheskiy sbornik [Digital Economy Indicators: 2024: statistical digest], V. L. Abashkin, G. I. Abdrakhmanova, K. O. Vishnevskiy, L. M. Gokhberg et al.; Nat. Research. University "Higher School of Economics". Moscow, ISSEK HSE, 2025. (In Russ.).
6. Kalenov O. E. Spetsifika upravleniya formirovaniem i razvitiem biznes-ekosistem [Specifics of Business Ecosystem Management and Development]. Vestnik Rossiyskogo ekonomicheskogo universiteta imeni G. V. Plekhanova [Vestnik of the Plekhanov Russian University of Economics], 2024, No. 1 (133), pp. 160–170. (In Russ.).
7. Kalenov O. E. Tsifrovye ekosistemy organizatsiy [Digital Ecosystems of Organizations]. Vestnik Rossiyskogo ekonomicheskogo universiteta imeni G. V. Plekhanova [Vestnik of the Plekhanov Russian University of Economics], 2022, No. 1 (121), pp. 139–147. (In Russ.).
8. Karnaukhov I. A. Kiberneticheskaya sistema N. Vinera kak predtecha tsifrovoy realnosti [Wiener's Cybernetic System as a Forerunner of Digital Reality]. Obshchestvo: filosofiya, istoriya, kultura [Society: Philosophy, History, Culture], 2024, No. 7, pp. 80–84. (In Russ.).
9. Manakhova I. V., Levchenko E. V., Esina A. R. Modelirovanie biznes-protsessov tsifrovoy kompanii [Modeling Business Processes of a Digital Company]. Vestnik Rossiyskogo ekonomicheskogo universiteta imeni G. V. Plekhanova [Vestnik of the Plekhanov Russian University of Economics], 2022, No. 2 (122), pp. 211–218. (In Russ.).
10. Matushevskaya E. A., Dotsenko O. S. Spetsifika postroeniya sistemy kontrollinga biznesprotsessov v usloviyakh tsifrovizatsii ekonomiki [Specifics of Building a Business Process Control System in the Context of Digitalization of the Economy]. Vestnik Rossiyskogo ekonomicheskogo universiteta imeni G. V. Plekhanova [Vestnik of the Plekhanov Russian University of Economics], 2020, No. 3 (111), pp. 132–144. (In Russ.).
11. Porter M. Konkurentnoe preimushchestvo. Kak dostich vysokogo rezultata i obespechit ego ustoychivost [Competitive Advantage: How to Achieve High Results and Ensure Their Sustainability]. Moscow, Alpina Biznes Buks, 2005. (In Russ.).
12. Tretyakova E. A., Freyman E. N. Ekosistemnyy podkhod v sovremennykh ekonomicheskikh issledovaniyakh [Ecosystem Approach in Modern Economic Research]. Voprosy upravleniya [Management Issues], 2022, No. 1 (74), pp. 6–20. (In Russ.).
13. Frolov A. V. Bankovskie ekosistemy: vidy, funktsii, ikh rol v ekonomicheskoy sisteme strany [Banking Ecosystems: Types, Functions, Their Role in the Economic System of the Country]. Vestnik evraziyskoy nauki [Bulletin of Eurasian Science], 2023, Vol. 15, No. s1. (In Russ.). Available at: https://esj.today/PDF/34FAVN123.pdf
14. Khammer M., Champi Dzh. Reinzhiniring korporatsii. Manifest revolyutsii v biznese [Reengineering Corporation: Manifesto for the Revolution in Business], translated from English. Saint Petersburg, Publishing House of St. Petersburg University, 1997. (In Russ.).
15. Bouchbout Kh., Alimazighi Z. Inter-Organizational Business Processes Modelling Framework. CEUR Workshop Proceedings, 2011, pp. 45–54.
Review
For citations:
Gomonko E.A., Kazantsev A.V., Kazantsev A.A. Specificity of Organizing Business-Processes in Context of Banking Ecosystem Functioning. Vestnik of the Plekhanov Russian University of Economics. 2026;(3):124-136. (In Russ.) https://doi.org/10.21686/2413-2829-2026-3-124-136
Views:
155
JATS XML
Email this article 