Financial transformation: how technology is changing the revenue structure of Russian banks
- Authors: Smirnov A.V.1, Popova A.A.2
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Affiliations:
- Saratov State University
- 410000, Российская Федерация, г. Саратов, ул. Вольская, 10 А
- Issue: Vol 9, No 1 (2025)
- Pages: 112-120
- Section: Economics and Management
- Published: 26.12.2025
- URL: https://journals.rcsi.science/2542-2340/article/view/361643
- ID: 361643
Cite item
Abstract
The Russian banking industry has undergone significant transformations over the past decade. The number of banks in the country has decreased threefold. Leading Russian financial institutions are adopting an ecosystem-based approach, providing a comprehensive range of services including asset management, financial planning, and insurance. Russian banks are seeking to diversify their revenue streams by reducing their reliance on interest income. This allows them to maintain competitiveness and stability in a rapidly evolving economic landscape.
Keywords
About the authors
Aleksei V. Smirnov
Saratov State University
Author for correspondence.
Email: aleksei.smirhov2005@icloud.com
Student of Economics Faculty
Russian Federation, 10A Volskaya St., Saratov, 410000, Russian FederationAnastasia A. Popova
410000, Российская Федерация, г. Саратов, ул. Вольская, 10 А
Email: nastpopo2004@mail.ru
Student of Economics Faculty
Russian Federation, 10A Volskaya St., Saratov, 410000, Russian FederationReferences
- Попова А.А., Смирнов А.В. Проблемы и перспективы развития банковской системы в современной российской экономике // Державинский форум. 2024. № 2. С. 306-313. https://elibrary.ru/fksdsw
- Moore J.F. The rise of a new corporate form // Washington Quarterly. 1998. № 1. P. 167-181. https://elibrary.ru/hawcvh
- Мешкова Е.И. Современные тенденции и проблемы процентной политики банков // Финансовые рынки и банки. 2023. № 6. С. 112-116. https://elibrary.ru/molapc
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