Development of financial ecosystems: business risks and opportunities

The article reveals the risks and restrictions specifics for businesses using ecosystems as products sales channels. It is noted that there is a imposing ecosystem services risk on customers through the intelligent technologies use. Attention is paid to the relationship between the client and the ecosystem. It proves the need to invest in the creation and development of ecosystems as a modern form of products and services sales. Ecosystem development is linked to innovation and technology and as a result influences the competitive landscape. It is concluded that international ecosystems penetrate local markets through mergers and acquisitions. It is required to regulate ecosystems and their development at the state level.