Fin or Tech podcast: marketplace or superapp? Why does business need digital ecosystems

"Fin or Tech" is a collaborative podcast of the company Visa and Lifehacker. Here we discuss the latest technologies that are changing business, our lives and the future. Each issue has new guests - fintech experts who are introducing innovations to the market right now.

We were inspired to create the show by the Russian stage of the startup competition Visa Everywhere Initiative 2021. This international project helps talented developers create and promote technology solutions that will be useful in the financial sector and retail. Find out which startups won this year in online broadcasts finals!

How digital ecosystems connect services and become everything for the client

This issue is about digital ecosystems. We will tell you how they combine different services and become platforms for the client where you can do everything. Or almost everything! The host of the podcast is Maria Podlesnova, founder of a media for entrepreneurs about innovation and technology. The guests of the issue are Vladimir Stasevich, Vice President and Head of the Daily Banking Cluster of MTS Bank, and Yuri Gribanov, General Director of Frank RG.

01:00 - about his experience: Yuri tells how Frank RG manages to collect data from banks, analyze them and sell them to the same banks. Vladimir talks about what Daily Banking is working on and what place it occupies in the MTS ecosystem.

03:50 - about ecosystems: what they are, who needs them and why. The host and guests share their perspective and understanding of cross-selling.

08:15 - about terms. What's the difference between an ecosystem, a super app, a marketplace, and an affiliate network? Let's look at examples.

11:55 - about trends. Which area is more promising for startups: payment management, lending, financial literacy, BigData, AI, or something else?

14:40 - about state superappas. Maria, Vladimir and Yuri are discussing "Gosuslugi" and examples from other countries. They also talk about the disadvantages of all-encompassing applications.

19:50 - blitz. Clear questions and short answers on the topic of the issue.

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