Structure of the market of banking services of Russia in the segment of deposits of the population

In Russia, the population demonstrates a very conservative model of behavior in choosing the form of savings, which ensures a consistently high market share of a limited circle of credit institutions. The introduction of ecosystems by banks is an essential tool for the consolidation of the banking sector. The digitalization of banking services technologies allows the formation of very differentiated banking products, essentially combining previously disparate products, which increases the attractiveness for the consumer and changes his preferences, contributing to market consolidation and the formation of a concentration growth trend

Keywords: ecosystem, market consolidation, deposits, competition


  1. Ye. L. Vengerovskiy. Pravovoye regulirovaniye konkurentnykh otnosheniy na rynke bankovskik h uslug. Diss. kand. ekon. nauk [Legal regulation of competitive relations in the banking services market. Cand. of econ. Sci. diss.]. Moscow, 2019. 155 p.
  2. G. D. Kutubarova. Formirovaniye i razvitiye regional'nykh finansovykh supermarketov v Rossiyskoy Federatsii. [Formation and development of regional financial supermarkets in the Russian Federation. Cand. of econ. Sci. diss.]. Samara, 2015. 24 p.
  3. Go Chen'chen'. The concentration of the Russian banking market and the competitiveness of Chinese banks in the Russian banking market//Innovatsii i investitsii [Innovation &Investmen]. 2021. № 1. P. 107-113. (In Russian.)
  4. V. I. Vlezkova. Razvitiye konkurentsii na rynke bankovskikh uslug v usloviyakh globalizatsi. Diss. kand. ekon. nauk [The development of competition in the banking services market in the context of globalization. Cand. of econ. Sci. diss.]. Samara, 2015. 135 p.
  5. V. V. Gamukin. Identification of the features of savings and credit behavior of the population in the regions of Russia//Ekonomika regiona [Economics of Regions]. 2020. Vol. 16. № 3. P. 1003-1017. (In Russian.)
  6. A. V. Kuznetsov. Influence of the real interest rate on the savings of the population//Den'gi I kredit [Russian Journal of Money and Finance]. 2017. № 5. P. 22-27. (In Russian.)
  7. Ye. V. Bushmin. Fair competition in the banking sector of the Russian Federation//Federalizm [Federalism]. 2018. № 2 (90). P. 5-17. (In Russian.)
  8. A. V. Vernikov. Diagnosis of the pathology of the institute (on the example of guaranteeing bank deposits)//Vestnik Instituta ekonomiki Rossiyskoy akademii nauk [Bulletin of the Institute of Economics of the Russian Academy of Sciences]. 2021. № 2. P. 27-47. (In Russian.)
  9. A. S. Tulupov, N. S. Ziyadullayev, U. S. Ziyadullayev. Assessment of the contribution of the banking sector to economic security//Ekonomika i matematicheskiy emetody [Economics and Mathematical Methods]. 2021. Vol. 57. № 1. P. 63-73. (In Russian.)
  10. O. V. Kuznetsov, A. V. Ivanov, N. V. Vorovskiy, I. S. Shevalkin. Institutionalization of financial literacy of the adult population of Russia//Finansy: teoriya i praktika [Finance: theory and practice]. 2020. Vol. 24. № 1. P. 34-45. (In Russian.)
  11. A. Ye. Abramov, A. D. Radygin, M. I. Chernova. Determinants of behavior of private investors in the Russian stock market//Ekonomicheskaya politika [Economic policy]. 2020. Vol. 15. № 3. P. 8-43. (In Russian.)
  12. Yu. S. Yevlakhova, Ye. N. Alifanova, A. A. Tregubova. Behavior patterns of Russian banks - a response to the financial activity of the population in the context of macroeconomic shocks//Zhurnal Novoy ekonomicheskoy assotsiatsii [Journal of the New Economic Association]. 2021. № 2 (50). P. 74-95. (In Russian.)
  13. N. B. Grishchenko. Russian Insurance Market Concentration: Trends and Forecasts//Problemy prognozirovaniya [Problems of Forecasting]. 2019. № 1. P. 113-122. (In Russian.)
  14. A. B. Fiapshev. Structure of the Russian banking system and its influence on the development of competition in the banking services market//Azimut nauchnykh issledovaniy: ekonomika i upravleniye [Azimut of Scientific Research: Economics and Management]. 2019. Vol. 8. № 1 (26). P. 360-364. (In Russian.)
  15. M. E. Mamonov. Regulation of bank access to the credit market in conditions of imperfect competition: assessment of the consequences for the stability of the banking system//Zhurnal novoy ekonomicheskoy assotsiatsii [Journal of the New Economic Association]. 2017. № 1 (33). P. 44-74. (In Russian.)
  16. N. M. Rozanova. Methodological problems of modern antimonopoly policy//Problemy prognozirovaniya [Problems of Forecasting]. 2021. № 5. P. 64-73. (In Russian.)
  17. A. A. Blokhin, A. A. Likhachov. Institutional barriers for fast-growing companies//Problemy prognozirovaniya [Problems of Forecasting]. 2021. № 4. P. 38-52. (In Russian.)
  18. A. B. Fiapshev, Ye. V. Travkina, V. V. Poznyakov. Transformation of the structure of the banking sector of the Russian economy and its impact on regional development//Regionologiya [Regionology]. 2020. Vol. 28. № 4 (113). P. 695-722. (In Russian.)
  19. L. V. Krylova, S. V. Krylov, A. F. Mudretsov, A. A. Prudnikova. Structural Changes in the Banking System of Russia: Directions and Assessment//Problemyprognozirovaniya [Problems of Forecasting]. 2022. № 1. P. 136-146. (In Russian.)
  20. N. V. Bichikov, Ye. N. Pochekutova. Influence of PJSC «Sberbank» on the level of competition in the banking sector//Materials of the I All-Russian scientific and practical conference with international participation «Actual problems of accounting, control and public administration in the system of providing sustainable development of the economy». Simferopol', 2021. P. 504-506. (In Russian.)