Главная страница » Публикации » 2020 » #3 (93) » Features of open API interfaces for the Russian regional financial market

Features of open API interfaces for the Russian regional financial market

Features of open API interfaces for the Russian regional financial market

Авторы

Мартюкова Вера Михайловна
Россия, Финансовый университет при правительстве РФ
vera.martyukova@bk.ru
Ермакова Марина Николаевна
кандидат экономических наук, доцент Департамента учета, анализа и аудита
Россия, Финансовый университет при правительстве РФ

Аннотация

The purpose of this work is to study the possibilities of open APIs in the banking sector, the stage of their development and prospects for their application in the regions of Russia. The object of research is the Open API, its key features, and the necessary conditions for their development in the Federal districts of the Russian Federation. The subject of the research is the advantages and risks of using open banking APIs for FINTECH companies, banks and their clients in the conditions of digitalization of Federal districts. Methodology. The article uses methods of retrospection, analysis, comparison, graphical and statistical research. Result. The result of the research is a characteristic of open APIs, their key capabilities and prospects for use in the domestic financial market for making effective management decisions related to the formation of a single financial and economic space in Russia. Conclusion. Open APIs that allow information to be received and transmitted between information systems of various organizations using standard data exchange protocols can become an important tool for integrating the Russian market, including regional financial structures, into the global financial system.

Ключевые слова

open interfaces, Open API, fintech, banking system, financial market, Open Banking.

Рекомендуемая ссылка

Мартюкова Вера Михайловна, Ермакова Марина Николаевна. Features of open API interfaces for the Russian regional financial market // Современные технологии управления. ISSN 2226-9339. — #3 (93). Номер статьи: 9316. Дата публикации: 04.12.2020. Режим доступа: https://sovman.ru/en/article/9316/

Authors

Martyukova Vera Mikhailovna
Russia, Financial University under the Government of the Russian Federation
vera.martyukova@bk.ru
Ermakova Marina Nikolayevna
PHD, Associate Professor at the Department of Accounting, Analysis and Audit
Russia, Financial University under the Government of the Russian Federation

Abstract

Keywords

Suggested citation

Martyukova Vera Mikhailovna, Ermakova Marina Nikolayevna. // Modern Management Technology. ISSN 2226-9339. — #3 (93). Art. #  9316. Date issued: 04.12.2020. Available at: https://sovman.ru/en/article/9316/


Only Russian

Print Friendly, PDF & Email

Читайте также





Библиографический список

  1. API portal of services of JSC “Alfa-Bank” [API portal servisov AO «Al’fa-bank»]. -https: //api.alfabank.ru/ (date of treatment 02/14/2020).
  2. PricewaterhouseCoopers. Official site [PricewaterhouseCoopers]. – https://www.pwc.ru (date of treatment 11/22/2019).
  3. FinTech Association. Official site [Assotsiatsiya FinTekh]. – https://www.fintechru.org (date of treatment 11/22/2019).
  4. Banks will keep the data with them [Banki poderzhat dannyye pri sebe]. Access mode https://www.kommersant.ru/doc/4125052 (Date of treatment 11/25/2019).
  5. An API transformation begins in the Russian banking sector [V bankovskom sektore Rossii nachinayetsya API-transformatsiya]. Access mode http://www.tadviser.ru/index.php/ (date of treatment 11/21/2019).
  6. Report for public consultations: “Development of open interfaces (Open API) in the financial market.” Central Bank of Russia [Razvitiye otkrytykh interfeysov (Open API) na finansovom rynke]. – https://cbr.ru/content/document/file/36006/api_survey.pdf (date of treatment 11/25/2019).
  7. How open API affects business [Kak otkrytyy API vliyayet na biznes]. Access mode https://roem.ru/28-11-2016/237222/kak-otkrytyj-api-vliyaet-na-biznes/ (date of treatment 11/25/2019).
  8. Komarov, A.V., Martyukova, V.M. Influence of Big Data technology on modern economic processes [Vliyaniye tekhnologii Big Data na sovremennyye ekonomicheskiye protsessy]// Financial Economics. 2019. No. 4. S. 624-627.
  9. Komarov, A.V., Martyukova, V.M. Fintech as an effective tool for creating innovations in financial markets [Fintekh kak effektivnyy instrument sozdaniya innovatsiy na finansovykh rynkakh]// Financial Economics. 2019.No. 2.P. 168-171.
  10. The concept of open APIs. Developed as part of the development of open APIs of the FinTech Association. [Kontseptsiya otkrytykh API. Razrabotana v ramkakh raboty napravleniya «Razvitiye otkrytykh API» Assotsiatsii FinTekh.]. – https://www.fintechru.org/upload/iblock/63b/Kontseptsiya-otkrytykh-API.pdf (date of treatment 11/25/2019).
  11. Main directions of development of the financial market of the Russian Federation for the period 2019–2021 [Osnovnyye napravleniya razvitiya finansovogo rynka Rossiyskoy Federatsii na period 2019–2021 godov]. Central Bank of Russia [Electronic resource]. – https://cbr.ru/content/document/file/71220/main_directions.pdf (date of treatment 11/22/2019).
  12. Pertseva, S.YU. Fundamentals of the fintech industry and the implementation of its principles on the example of the segment of payments and transfers [Osnovy fintekh-industrii i realizatsiya yeyo printsipov na primere segmenta platezhey i perevodov]/ S.Yu. Pertseva, D.A. Kopylov // Problems of National Strategy, 2018. – No. 4. – P. 186-195.
  13. Ponamorenko, V.Ye. The concept of “open banking” in the regulatory landscape of Russia [Kontseptsiya «otkrytogo bankinga» v regulyatornom landshafte Rossii]/ V.E. Ponamorenko // Legal Science, 2018. – No. 3. – P. 127-132.