THE METHODOLOGY OF THE TRIPARTITE ANALYSIS OF A BANKING ECOSYSTEM "ORGANIZATION – MARKET - PLATFORM"

The article presents an original system of comprehensive analysis of the banking ecosystem – the organization – market – platform (ORP) methodology, which assumes a consistent assessment of the ecosystem's activities in three planes. The first stage of the ORP analysis is to analyze the ecosystem as an organization (firm), which is additionally subject to the requirements imposed on financial organizations. This feature is due to the fact that the bank is located in the center of the banking eco-system. It is important that the analysis be based on current regulations and requirements of the Bank of Russia and the Basel Committee on Banking Supervision. Within the framework of the "market" stage, the ecosystem is analyzed as a financial market entity, therefore, the results obtained at the first stage of the ORP analysis are adjusted taking into account market specifics and market trend (or market influence coefficient). Adjusting the values of financial indicators can significantly increase the significance of the results obtained. The third stage of the ORP analysis explores the ecosystem as a digital platform, analyzing the metrics of its activity through economic unit modeling. This not only contributes to a better understanding of the behavior of ecosystem users, but is also a key element in calculating the financial effectiveness of attracting new customers. The article also presents two particular configurations of ORP analysis, as well as describes the conditions for their implementation. The analysis performed in accordance with the proposed methodology allows us to draw reasonable conclusions about the financial condition of the ecosystem. The results of the study can be used both in the study of the theoretical foundations of the ecosystem approach to business organization, and in order to form a methodological base in the field of analysis of banking ecosystems.

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