Sber: when dreams come true

What epithets did the observers give to the recent Sberbank conference in Moscow?, as soon as professionalism was not lifted, the courage and determination of German Gref, announced the beginning of the digital transformation of the banking structure he heads into an integral ecosystem of digital products under the single name of Sberbank. now this:

fundamentally new branches and ATMs with huge touch screens and voice control,

"Firework" – voice assistants with three different characters,

«SberBox» – Set-top box with built-in Sber services,

«SberPortal» – "Smart" speaker with a screen,

"Smart" TV with built-in voice assistant Sberbank,

«SberZvuk» – streaming service,

"SberLogistics" – chain of post-terminals in Moscow and St. Petersburg with delivery time 30 minutes,

SberCloud - "cloud", working with all Sberbank services,

"SberPrime" – single subscription to all services,

as well as our own grocery delivery service, educational, medical and business platforms. AND, of course, his majesty the Bank, which no Google has, neither Yandex, namely, with them, first of all, the new Sberovsk ecosystem is compared.

And it all began 13 years ago – in 2007 year, when Gref became president of Sberbank. They say, ambition played a major role, maybe so, who knows. Or maybe just a banal awareness of the need for change. Huge inefficient structure, inherited from the USSR, the largest bank in the country with unlimited opportunities and no need to change, all the more quickly - here, what Gref saw and set out to change. You can treat yourself differently as yourself, to him, leadership style, but one cannot deny the perseverance and titanic efforts in achieving the goal, unwillingness to change Sberbank. And that, what we see today, not cosmetic transformations, and a complete restructuring of everything and everyone. It is enough to go to the new digital branch of Sberbank on Tsvetnoy, to personally verify this.

Then, what Gref conceived and implemented, this is the process of creating an ecosystem, that is, a set of certain services, services and products, covering a variety of areas of human life, helping him in real life, making it more comfortable and convenient. The experience of Google and Yandex speaks of the market demand for such ecosystems and the new digital Sberbank is an excellent and very timely response to the market challenge..

Yandex's only competitor was and remains. mail, Search, cartography, navigation, audio-video services, delivery of products and goods - we have all been hostages of these products from Yandex for a long time, it seems, that the company's position is unshakable. However, this is not the case. Market policy, company approach to doing business, difficult internal corporate atmosphere convinces, that in the long term Yandex has no noticeable chance of doing so, to withstand the confrontation with Sberbank. And the main reason is that Yandex does not have its own bank., and therefore sufficient working capital for business development. So, eg, the company failed to retain many key employees, who went to work at Sberbank, trite due to the lack of opportunity to offer them a similar salary. Since Sberbank does not intend to dwell on the successes achieved and in the near future Gref plans to create his own navigation service based on the recently purchased 2GIS and his own mobile operator, absolutely obvious, that many more talented employees will leave Yandex in the near future, since salary offers from Sberbank are as follows, that few people can refuse them.

Besides, Gref's approach to creating an ecosystem for many experts on the Russian IT market looks much more holistic and complex, rather than, how this process is approached in Volozh's company. There is an opinion, that Yandex has "hammered" on users, thinking only about the capitalization of the company, while Sber, opposite, demonstrates the intention to create a single product from many disparate services, wholly and completely human-centered.

Sberbank's market position certainly gives it an undeniable advantage over Yandex and allows Gref's dreams of his own digital universe of the future to come true.. But Yandex also has a huge army of supporters., accustomed to the available services, who has been using them for more than one year and is hardly ready to give them up, not first convinced of the advantages of a competitive product. Time will put everything in its place and show, whose approach is better, more effective, more efficiently. But today Alice to the question, who will win Yandex or Sberbank, answers: that one, who will invest his soul. It's hard to disagree.

 

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