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Assessing the efficiency of ecosystem functioning of PAO Sberbank

Vol. 25, Iss. 10, OCTOBER 2019

Received: 22 July 2019

Received in revised form: 2 September 2019

Accepted: 16 September 2019

Available online: 30 October 2019

Subject Heading: Banking

JEL Classification: G21

Pages: 2304–2321

https://doi.org/10.24891/fc.25.10.2304

Yakovleva A.K. Institute of Economics and Management, Kemerovo State University, Kemerovo, Russian Federation
yakovlevaalina16@mail.ru

ORCID id: not available

Fedulova E.A. Institute of Economics and Management, Kemerovo State University, Kemerovo, Russian Federation
fedulovaea@mail.ru

ORCID id: not available

Salkova O.S. Institute of Economics and Management, Kemerovo State University, Kemerovo, Russian Federation
o_salkova_72@mail.ru

ORCID id: not available

Subject The article addresses the efficiency of introducing new technologies by PAO Sberbank and its ecosystem functioning.
Objectives We focus on analyzing the key parameters that reflect the state of ecosystem services, using the case of PAO Sberbank.
Methods The study employs comparative and analytical methods of economics. They are used to compare actual data with targets. We determine the key figures of profitability and efficiency of using the ecosystem services, reveal the interrelation and interdependence of analyzed figures.
Results The study analyzes the key parameters that reveal the conditions of Sberbank’s ecosystem development for 2015–2018. To formulate the characteristics of the ecosystem development, we identify indicators of economic efficiency and assess driving factors and reserves. The findings may help in the process of building projection models.
Conclusions It is important to control key parameters that give an accurate picture of costs. This will enable credit institutions to lay the groundwork for obtaining financial benefits from the introduction of new technologies in the banking services market.

Keywords: financial ecosystem, banking technology, technology strategy, ecosystem services, digital services

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