ORGANIZATIONAL AND ECONOMIC MECHANISM OF INTERACTION BETWEEN BANKS AND ENTERPRISES WITHIN A DIGITAL FINANCIAL ECOSYSTEM
Анотація
The article substantiates the organizational and economic mechanism of a digital financial ecosystem, emerging in response to the challenges of re-intermediation and the transformation of linear models into "value networks." Based on systems analysis, a four-level model is developed to describe participant interaction grounded in "coopetition" and the dynamics of "Orchestrator" and "Contributor" roles. It is determined that the circulation of data and value flows, combined with the utilization of the "data trail," transforms the financial function from a cost center into a profit center, triggering an economic "flywheel effect." The practical section systematizes transactional and API-based monetization models within the BaaS framework and offers recommendations for implementing open banking standards in Ukraine.
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