Institutional features of the formation of bank-centric ecosystems in the russian financial market

This article investigates the phenomenon of digital bank-centric business ecosystems as a key vector for transforming the Russian financial market under conditions of national economic digitization. The author substantiates a conceptual model of a bank-centric ecosystem, adapted to the institutional and regulatory specifics of the Russian financial system, and identifies its structural-functional characteristics. The paper proposes a classification of business ecosystems, with particular attention paid to the role of systemically significant banks as platform architects who coordinate cross-industry value creation chains and ensure technological and regulatory compatibility among participants. The study also analyzes the transformation of commercial banks' risk profiles under conditions of ecosystem integration, including the intensification of traditional risks and the emergence of specific ecosystem-related risks. The necessity of adapting the regulatory environment to the challenges posed by the ecosystem model is justified, including the development of a legal status for digital platforms, data protection standards, and antitrust control mechanisms.