{"id":13451,"date":"2019-08-12T15:21:21","date_gmt":"2019-08-12T15:21:21","guid":{"rendered":"http:\/\/bulletins.bfconsulting.com\/?p=13451"},"modified":"2019-08-27T21:57:42","modified_gmt":"2019-08-27T21:57:42","slug":"how-sberbank-is-transforming-from-a-bank-into-an-online-ecosystem","status":"publish","type":"post","link":"https:\/\/bulletins.bfconsulting.com\/en\/how-sberbank-is-transforming-from-a-bank-into-an-online-ecosystem\/","title":{"rendered":"How Sberbank is transforming from a bank into an online ecosystem"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Russia\u2019s Sberbank has a plan to create a fully-functional online ecosystem that combines banking services and non-financial services by 2024. To do this, the bank has been spent more than RUB 60 billion on a number of efforts. These include working with established companies, buying out companies and creating their own online services from scratch. Here are a few highlights of what Sberbank has been working on:<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/leonardo.osnova.io\/9787f570-b4da-80d1-cc2a-ac30670d22ea\/\"><\/p>\n<ul>\n<li><b>Working with established companies<\/b><\/li>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Yandex.Market \u2013 the two created a market place in 2018 that hopes to become Russia\u2019s version of Amazon.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rambler Group \u2013 Sberbank recently announced that it will buy 46.5% of the group\u2019s online business, ultimately allowing the bank to integrate itself into a number of existing online services run by the group.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><b>Ownership over\/controlling interest in existing companies<\/b><\/li>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Yandex.Money \u2013 in 2012, Sberbank acquired a 75% minus RUB 1 share of the payment system.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Work.ru \u2013 Sberbank purchased 100% of the site, which provides job search and staff recruitment services, in April 2019.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><b>Own initiatives<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">DomKlik \u2013 DomKlik provides online advertisements for the sale of apartments.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Talk and Sbermobile \u2013 launched in 2017 as a pilot, the two services are virtual mobile operators that are based on Tele2 networks.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">SberCloud \u2013 SberCloud offers users virtual data centers as well as the possibility to use artificial intelligence to solve certain tasks.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"rpbt_shortcode\">\n\n<div id='rpbt-related-gallery-1' class='gallery related-gallery related-galleryid-13451 gallery-columns-3 gallery-size-thumbnail'><figure class='gallery-item' role='group' aria-label='TBC bank \u2014 first one to use chatbot for communication with clients'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bulletins.bfconsulting.com\/en\/tbc-bank-first-one-to-use-chatbot-for-communication-with-clients\/'><img width=\"150\" height=\"150\" src=\"https:\/\/bulletins.bfconsulting.com\/wp-content\/uploads\/2017\/12\/TBC-660x330-150x150.png\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" decoding=\"async\" aria-describedby=\"rpbt-related-gallery-1-7556\" loading=\"lazy\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='rpbt-related-gallery-1-7556'>\n\t\t\t\tTBC bank \u2014 first one to use chatbot for communication with clients\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item' role='group' aria-label='\u041a\u0430\u043a \u0431\u0443\u0434\u0435\u0442 \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0442\u044c\u0441\u044f \u043e\u043d\u043b\u0430\u0439\u043d-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0435\u043c \u0431\u0443\u0434\u0443\u0449\u0435\u043c'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bulletins.bfconsulting.com\/ru\/kak-budet-razvivatsja-onlajn-kredito\/'><img width=\"150\" height=\"150\" src=\"https:\/\/bulletins.bfconsulting.com\/wp-content\/uploads\/2018\/05\/keyboard-social-business-young-person_1150-1012-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" decoding=\"async\" aria-describedby=\"rpbt-related-gallery-1-9962\" loading=\"lazy\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='rpbt-related-gallery-1-9962'>\n\t\t\t\t\u041a\u0430\u043a \u0431\u0443\u0434\u0435\u0442 \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0442\u044c\u0441\u044f \u043e\u043d\u043b\u0430\u0439\u043d-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0435\u043c \u0431\u0443\u0434\u0443\u0449\u0435\u043c\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item' role='group' aria-label='Ushba.io: the new Georgian platform for cryptocurrency trading'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bulletins.bfconsulting.com\/en\/ushba-io-the-new-georgian-platform-for-cryptocurrency-trading\/'><img width=\"150\" height=\"150\" src=\"https:\/\/bulletins.bfconsulting.com\/wp-content\/uploads\/2017\/11\/Ushba.io_-the-new-Georgian-platform-for-cryptocurrency-trading-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" decoding=\"async\" aria-describedby=\"rpbt-related-gallery-1-6862\" loading=\"lazy\" srcset=\"https:\/\/bulletins.bfconsulting.com\/wp-content\/uploads\/2017\/11\/Ushba.io_-the-new-Georgian-platform-for-cryptocurrency-trading-150x150.jpg 150w, https:\/\/bulletins.bfconsulting.com\/wp-content\/uploads\/2017\/11\/Ushba.io_-the-new-Georgian-platform-for-cryptocurrency-trading-100x100.jpg 100w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='rpbt-related-gallery-1-6862'>\n\t\t\t\tUshba.io: the new Georgian platform for cryptocurrency trading\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Russia\u2019s Sberbank has a plan to create a fully-functional online ecosystem that combines banking services and non-financial services by 2024. To do this, the bank has been spent more than RUB 60 billion on a number of efforts. These include working with established companies, buying out companies and creating their own online services from scratch. &hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,12],"tags":[409,157,158,231],"_links":{"self":[{"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/posts\/13451"}],"collection":[{"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/comments?post=13451"}],"version-history":[{"count":3,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/posts\/13451\/revisions"}],"predecessor-version":[{"id":13570,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/posts\/13451\/revisions\/13570"}],"wp:attachment":[{"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/media?parent=13451"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/categories?post=13451"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bulletins.bfconsulting.com\/en\/wp-json\/wp\/v2\/tags?post=13451"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}