| Issue |
SHS Web Conf.
Volume 93, 2021
3rd International Scientific Conference on New Industrialization and Digitalization (NID 2020)
|
|
|---|---|---|
| Article Number | 04007 | |
| Number of page(s) | 10 | |
| Section | The Consumer Market in the New Economy: Innovative Models, Opportunities, Priorities | |
| DOI | https://doi.org/10.1051/shsconf/20219304007 | |
| Published online | 12 January 2021 | |
Assessment of the Economic Results of the Digital Transformation of the Client-Centric System of Sberbank of Russia
Dostoevsky Omsk State University, 644077 Omsk, Russia
* Corresponding author: puzinanv@omsu.ru
The article analyzes the transformation of banking services based on the concepts of Bank 1.0, Bank 2.0, Bank 3.0, Bank 4.0. This transformation is largely associated with the formation of client-centric ecosystems that actively use artificial intelligence. Banks offer their clients convenient digital services based on platform and cloud technologies. The scientific novelty of the research is associated with the author's approach to assessing the economic results of Bank digitalization based on the construction of models of correlation and regression analysis and the method of accumulated excess profitability. The stated methodological approaches are tested on the example of Sberbank of Russia. It is concluded that the results obtained prove the positive impact of digitalization on the company's economic results due to the growth of customers, expansion of financial and non-financial digital companies and their products in the group of companies, reduction of offices and employees who performed banking operations in the traditional business model of banks.
© The Authors, published by EDP Sciences, 2021
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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