Unified Digital Business-Models of Platform and Ecosystem Participants

Accumulated experience and advanced technologies provide an opportunity for the bank to develop new methods of competition and, therefore, to design new business-models. It is promoted by fast proliferation of digital platforms and ecosystems. The article studies different approaches to identifying business-models on whose foundations it is possible to form the concept of the digital business-model. The author points out to two principle elements of digital economy: the platform as the initial stage and the ecosystem as a more sophisticated stage. On this foundation the author, having taken A. Osterwald and I. Pinie model, develops unified digital businessmodels for the following participants: the platform owner, the ecosystem owner, the supplier in the platform/ecosystem and provides them with detailed characteristics. The article underlines that fast success of these business-models is stipulated by such things as network and ecosystem effect. Apart from this, key factors of digital ecosystem competition are shown, among them the author highlights positioning in customer’s eyes, a set of services that can meet customer’s needs, possibility to provide personalized content, convenience of using the ecosystem. The conclusion about further prospects of developing platform and ecosystem business-models is made