SHS Web Conf.
Volume 93, 20213rd International Scientific Conference on New Industrialization and Digitalization (NID 2020)
|Number of page(s)
|The Consumer Market in the New Economy: Innovative Models, Opportunities, Priorities
|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: firstname.lastname@example.org
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.
Current usage metrics show cumulative count of Article Views (full-text article views including HTML views, PDF and ePub downloads, according to the available data) and Abstracts Views on Vision4Press platform.
Data correspond to usage on the plateform after 2015. The current usage metrics is available 48-96 hours after online publication and is updated daily on week days.
Initial download of the metrics may take a while.