Бизнес архитектура цифровой трансформации операционной деятельности международных банков / Business architecture in the scope of digital transformation in relation to operations of international banks
Аннотация
Digital transformation is taking place both globally in the economy and at the level of individual companies. The study of this process is particularly relevant now, as we see international corporations adopting new technologies and digitally trans-forming their business models in order to maintain a leading position in their indus-try by creating technological barriers that their competitors will not be able to over-come.
In a rapidly evolving technology environment, companies using the traditional business model are doomed to disappear. Big IT companies, aggressive digital start-ups and digital platforms that support the sharing economy have changed all indus-tries: they have rethought the way they work with data, reduced the cost of attracting and retaining customers, and provided personalized offers. As such, all companies need to embrace digitalization in their operations to stay competitive and not disap-pear from the market.
Consumers in the market have also changed their behavior model. They now expect to be able to get the product or service they want omni-channel, with possible personalization, full information about the products and alternatives themselves and support available around the clock. If a company wants to meet the demands of its customers, it cannot do without the use of digital technology, either.
The relevance of the work consisting in creating an approach to developing a business model is also confirmed by the fact that the ecosystem market is relatively young, and many companies still do not know how to effectively develop a network or develop within it. Russian ecosystems appeared only a couple of years ago and are now in their formative stage. Having a clear tool for identifying growth areas that they can integrate into their decision-making process could be helpful to them.
In a rapidly evolving technology environment, companies using the traditional business model are doomed to disappear. Big IT companies, aggressive digital start-ups and digital platforms that support the sharing economy have changed all indus-tries: they have rethought the way they work with data, reduced the cost of attracting and retaining customers, and provided personalized offers. As such, all companies need to embrace digitalization in their operations to stay competitive and not disap-pear from the market.
Consumers in the market have also changed their behavior model. They now expect to be able to get the product or service they want omni-channel, with possible personalization, full information about the products and alternatives themselves and support available around the clock. If a company wants to meet the demands of its customers, it cannot do without the use of digital technology, either.
The relevance of the work consisting in creating an approach to developing a business model is also confirmed by the fact that the ecosystem market is relatively young, and many companies still do not know how to effectively develop a network or develop within it. Russian ecosystems appeared only a couple of years ago and are now in their formative stage. Having a clear tool for identifying growth areas that they can integrate into their decision-making process could be helpful to them.