Irina E. Mikheeva
Kutafin Moscow State Law University (MGUA)
Legal features of banking ecosystems
Mikheeva I.E. Legal Features of Banking Ecosystems. Vestnik of Kostroma State University, 2023, vol. 29, № 2, pp. 220–226 (In Russ.). https://doi.org/10.34216/1998-0817-2023-29-2-220-226
DOI: https://doi.org/10.34216/1998-0817-2023-29-2-220-226
УДК: 347.1, 347
Publish date: 2023-05-24
Annotation: The paper examines the main features of modern banking ecosystems in Russia. The author points out the main features of the banking ecosystem as the use by its participants of the information and technical infrastructure provided by the credit institution; the association of ecosystem participants with one or more agreements aimed at creating this association and a common ‟brand”; the use of the bank’s database about its customers and the trust that customers have placed in the bank. The paper concludes that banking ecosystems are associations of holding-type legal entities. In the development of the position formed by legal theorists that special regulatory measures should be applied to all participants of a group of persons, the author believes that the recognition of the ecosystem by an association of holding-type legal entities allows to extend to all its members uniform conditions for the application of civil liability to customers, as well as to justify the possibility of holding the bank liable for non-fulfillment of obligations other participants of the banking ecosystem.
Keywords: banking ecosystems, banks, holding type companies, information systems, aggregator, brand, trust
Funding and acknowledgments: The work was prepared within the framework of the activities of the Competence Centre ‟Cyber Law” of Kutafin University (MSLA) in order to implement the development programme ‟Priority 2030”.
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Author's info: Irina E. Mikheeva, Candidate of Jural Sciences, Kutafin Moscow State Law University (MGUA), ya.miheeva@yandex.ru, https://orhid.org/0000-0002-5935-4722