Subject. This article discusses the emerging challenges to banking activities, which determine both general global trends and certain Russian particularities. Objectives. The article aims to identify the main challenge to Russian banking activity adapted to the new technology requirements, which can become a bottleneck in the national economic development. Methods. For the study, I used the methods of statistical, comparative, logical, and functional analyses, expert assessment, generalization, and a systems approach. Conclusions and Relevance. The emerging new financial relations in terms of widespread adoption of digital technologies are increasingly affected by previous government constraints. This can cause a disruptive effect for Russian banking. The systemic nature of the State factor impact on the development of the banking sector and the increasing integration of the financial space in a wide variety of new technology platforms and ecosystems are sufficient grounds to recognize the trend of governmentalization of banking activities a major and contradictory challenge. New instruments are therefore needed to prevent the expansion of statism of banking activities in banking and non-banking ecosystems and platforms. The results of the study can be used to develop new principles for the advancement of banking activities in the creation of Russian banking and non-banking ecosystems.
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