Фундаментальные и прикладные исследования в области экономики и финансов. Орел, 03 декабря 2020 года

Т. 1. Orel : Среднерусский институт управления - филиал РАНХиГС, 2020.

Дмитриева Н. Ю., Аникин А. В., Ермаков А. В.

As a result of the Covid-19 pandemic, the dominant influence of the five largest banks in the Russian banking sector (more than 60% of the total assets and capital of the Russian banking system) has become even more pronounced, with most of them having state participation in their capital. However, the restrictions imposed as a result of anti-epidemic measures have required banks to implement new technological solutions for remote service of both individuals and legal entities. As a result, "ecosystems" have been created that offer bank customers not only banking services, but also services from other organizations within the bank's ecosystem (insurance companies, mutual funds, telecom operators, store aggregators, etc.). In turn, the Bank of Russia has begun a public discussion on the implementation of a digital ruble in Russia's payment system, which aims to minimize the transaction costs for payers.

Keywords: banking sector, цифровизация, digitalization, банковский сектор России, Цифровой рубль, digital ruble, COVID 19