Егор Кривошея

Егор Кривошея

143026, Московская область, город Одинцово, деревня Сколково, улица Новая, дом 100.

Старший преподаватель, Руководитель направления исследований, Научный сотрудник

skolkovo

Учёное звание:

Research Fellow

Публикации:

  • Factors affecting financial services innovations adoption by Russian consumers//
    in progress: ; 6/1/2021
  • Factors affecting financial services innovations adoption by Russian consumers
    in progress: Retail payments have always been an essential part of a consumer’s life, however, the development of financial services and in particular payment innovations have led to changing consumer behavior and formation of new habits. Russia is not an exception, but rather is one of the leaders, when it comes to financial services innovations adoption. This study aims to answer the research question on what might influence financial services innovations usage by Russian consumers? This research uses a nationwide representative sample of 1500 Russian consumers conducted via face-to-face interviews in 2017. The study applies two-step Heckman selection model to empirically investigate which individual characteristics determine usage of financial services innovations. The model includes such consumer characteristics as socio-demographic profile, payment card attitudes, trust in banking innovations and participation in different types of banking loyalty programs.The results show that deliberate choice to issue a card in order to pay with it offline, frequent payments with a card at online-stores, belonging to the youngest age group (18-25 y.o.), participating in banking loyalty programs and trusting innovations provided by banks are highly significant and positively relate to adopting financial services innovations by Russian consumers. The results stay robust with the control for regional characteristics. This research contributes to the rising strand of literature on the financial services innovations adoption including payment innovations (Dahlberg et al. 2003; Chen 2008; Dixit & Datta, 2010; Huh et al, 2017; Semerikova, 2019). From practical and managerial perspective, understanding factors that have an impact on the financial services innovations adoption and usage at the Russian market helps all market players, for instance, payment systems, commercial banks and new participants (e.g., telecom operators), formulate their strategies to remain relevant for consumers. While regulators might benefit from this knowledge and make proactive adjustments to their current stimulation policies focused on the development of the digital economy.; 4/1/2021
  • Self-employed as a new type of worker in the inclusive world
    in progress: Research on self-employed people's attitudes towards Russian retail payments market offerings; 4/1/2021
  • New loyalty: do current loyalty programs provide what they promise?
    in progress: Research on clients' attitudes towards loyalty programs at Russian retail payments market; 4/1/2021
  • Оценка эффективности межбанковской комиссии на российском рынке безналичных розничных платёжных услуг
    PhD Thesis: This thesis presents the mechanism for the evaluation of multilateral interchange fees efficiency. The mechanism is used for Russian retail payments market in order to test the efficiency of interchange fees currently set by payment systems. Theoretical part of the model is based on Bedre-Defolie and Calvano (2013), which was used as a basis for recent regulatory intervention in Eurozone payments market. Empirical interchange fee evaluation uses proprietary nation-wide representative surveys of individuals (n=1500), merchants (n=800) and banks (7 banks from top 20, which collectively cover more than 80% of the issuing and acquiring markets) to estimate end-user benefits and other model parameters. Interchange fees are evaluated using three definitions of interchange fee efficiency: weak form (individual utility maximization of participants), semi-strong form (total welfare maximization) and strong form (Pareto efficiency). The key results of the thesis support efficiency of currently set interchange fees. The thesis presents the first ex-ante analysis of regulatory intervention in tariff formation in the retail payments market and implies that Russian regulator should consider alternative (non-tariff) stimulating measures to foster cashless payments market development.; 10/26/2020
  • The role of platforms in digital economy: emergence of new economic relationships
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Analysis of the roles of digital platforms in the economy, tariff setting models and the perspectives of tariff regulation at two-sided markets; 10/1/2020
  • The role of financial innovations in consumer behavior in the Russian retail payments market
    Technological Forecasting and Social Change: This study estimates the effect of financial innovations on the frequency of cashless payments by cardholders at the Russian retail payments market. Using the representative nation-wide survey of 1500 individuals this study finds significant robust evidence that various types of financial innovations promote activity of consumers at the retail payments market. This paper contributes to the existing literature in payment economics by empirically analyzing the effects of emerging and existing retail financial innovations on the consumers’ behavior at Russian retail payments market. The results of the paper provide important implications for financial services providers and regulators by outlining the role of financial innovations in promoting cardholders activity.; 9/1/2020
  • Российские потребители электронной коммерции: новые потребительские привычки после перезагрузки
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: ; 9/1/2020
  • Путь финтеха на отдельно взятом рынке. Чему можно научиться у Китая, США, Европы и России?
    PLUS: ; 6/1/2020
  • Stimulating Cashless Economy: the roles of Tariff Regulations & National Payment Systems Creation
    XXI Апрельская международная научная конференция по проблемам развития экономики и общества, НИУ ВШЭ: This research tests the influence of interchange fees regulations and creation of National Payment Systems on the cashless retail payments market. This study tests the effect of these stimulating measures on the volume of retail cashless payments using debit and credit cards on the panel of 34 countries in period 2004 - 2017 was used for econometric estimation. The problem of government intervention into the retail payments market has long been debated. In the developed economies such as EU countries, Australia and the USA, regulatory incentives already led to obligatory multilateral interchange fee (MIF) cuts, while in other countries such as Russia or China national alternatives to the international payment systems have been introduced. Despite the fact that there has been some evidence that MIF cuts are generally not Pareto efficient (Weiner & Wright, 2005), we still know little about the efficiency of alternative (non-tariff) stimulating policies. This study aims to contribute to the growing literature on the efficiency of stimulating measures in the retail payments market (Weiner & Wright, 2005; McGinnis, 2012; Evans & Mateus, 2011; Aurazo & Vasquez, 2019) by providing the empirical estimates of the effect of MIF rates regulation and national payment systems creation for the volume of cashless retail payments using the cross-country analysis. The key research question is, therefore, “Do interchange fee regulations and national payment systems creation influence cashless retail payments market development?”. To the best of our knowledge, this is the first study to provide such analysis. Data sample is collected from BIS and Global Payment Systems Survey (GPSS) conducted by World Bank without any restrictions to combine the largest available dataset on cross-country payments study to date. Despite the fact that the number of countries is limited, the final sample is representative for the world in terms of payment system indicators (e.g., value and volumes of payments, number of accounts, etc) as well as a number of macroeconomic indicators (e.g., GDP per capita level, population size, territory, etc).; 5/1/2020
  • Анализ платежного поведения российских потребителей в поездках за границу: качественный и количественный анализ
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Research on the choice of payment instruments by Russian travelers during trips; 5/1/2020
  • Determinants of Benefits in the Retail Payments Market: Evidence from Russian Consumers
    Journal of Promotion Management: This study identifies the determinants of consumer benefits values in the retail payments market. Using a mix of quantitative (nation-wide representative survey of 1500 individuals) and qualitative inputs (8 focus groups and 32 in-depth interviews), this study finds robust evidence which supports the importance of internal and external user characteristics for the benefits value explanation. Other factors exhibit partial or no correlation with benefits values. Total welfare is efficiently distributed across the market. Findings imply new factors affecting consumer behavior in the retail payments market and suggest a basis for the reassessment of marketing and regulatory strategies.; 2/1/2020
  • КАК МЕНЯЮТСЯ БАНКОВСКИЕ ЭКОСИСТЕМЫ
    Клуб банковских аналитиков и макроэкономистов: Presentation in banking and macroeconomic analysts club; 1/1/2020
  • Skills and knowledge: how to prepare for work in financial services industry?
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: The analysis of skills and knowledge required for work in the financial services industry both in Russia and globally; 12/20/2019
  • Payment instruments: attitudes and perceptions of Russian consumers
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: For the past three years there has been a noticeable growth of financial services users among Russian population: according to NAFI research, the share of banking services users has increased by 5 percentage points since 2017 and currently is 86%. At the same time the level of digital literacy of Russians has also been rising: for the past three years it has grown by 10 points from 52 in 2017 to 62 out of 100 in 2019. Russians have an interest in digital technologies, including digital financial instruments. The increasing diversity of form-factors used by consumers motivated Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES to study financial services users’ attitudes towards different payment instruments (both cash-based and cashless) in Russia (i.e., owners of debit or/and credit cards) including the perceptions of their benefits, pain points and barriers while paying for goods and services. This quantitative research is a continuation of the qualitative study conducted in 2018, and was done in two stages with the help of National Agency of Financial Research (NAFR). The results of the first stage of study conducted in September 2019 based onrepresentative nation-wide survey demonstrated that active users of payment instruments in question are citizens of large cities, 18-45 y.o. with sustainable income. Considering the abovementioned parameters of the target audience, the data for the second stage was collected via an online panel survey (N = 1016 people) with quotas based on descriptive statistics from the official Rosstat statistics on the Russian population (sex, age, city type and Federal district) in order to maintain sample’s representativeness. This research will be useful to everyone who is related to Russian retail payments market. First of all, these results offer financial services providers some insights into the attitudes of active card users towards different payment instruments, especially their pain points that might be addressed in order to improve customer experience and boost customer loyalty. The regulator might pay attention to the results in order to stimulate further usage and depth of usage of cashless payments to further foster financial inclusion.; 12/11/2019
  • Блокчейн в электроэнергетике: ландшафт проектов и инвесторов
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Quantitative and qualitative analysis of blockchain projects in the global electroenergy industry; 12/1/2019
  • Финансовая осознанность: влияние когнитивных искажений на решения участников рынка финансовых услуг
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Research on the role of cognitive biases in the financial awareness in financial services market; 12/1/2019
  • Digital transformation of financial services: models and strategies for market participants
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Over the past 10 years, the landscape of financial services industry has drastically changed. In the first decade of the 21st century every financial service ever imagined was provided either by an investment or commercial bank or some other traditional intermediaries. However, the second decade could be characterized as the startup boom – at the moment there are more than 12 thousand startups in the global financial services market, some services are offered by non-bank or non-credit organizations, and the largest companies in other industries are gradually entering the industry and start competing with traditional financial institutions. One of the main reasons for such large-scale industry transformation is the strengthening of the role of digital technologies both in the financial services industry and in other aspects of one’s life, the state processes and the operations of the companies. Due to the differences in institutional environment, different models of digital transformation in financial services have emerged. United States and China experience increasing role of technology companies, so called bigtechs; in Russia traditional financial intermediaries, in particular universal banks, are ones of the most influential companies in the economy; and in Europe, where regulatory innovation has led to the emergence of open banking and the development of startups, financial services have become a more closed ecosystem. Differences between countries and their specifics in terms of financial innovations development motivated Center for Research in Financial Technologies and Digital Economy SKOLKOVO-NES to study how industry borders reshape due to the development of financial services ecosystems and outline the main effects of their digital transformation both locally and globally. Based on the analysis of academic and business literature, as well as real cases of digital offerings implementation by various companies, we have derived 3 models of digital transformation of financial services, as well as key choices that market participants can make to form their own strategies.; 11/6/2019
  • Data-based city: which information is needed for it to be possible
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Digital economy development affects not only business processes, but also everyday services and offerings in all areas of everyday life. Rising trends in digitalization and urbanization of the society have created the need to transform our usual understanding of cities, while increasing availability of data and speed of timetomarket have opened up opportunities for inventing new solutions. However, the lack of common view on what data is available and who is the provider and custodian of data leads to inefficient development of initiatives. Data Driven City (DDC) is an evolutionary type of city that provides basic services to citizens in the most efficient way through an innovative approach to the organization of the urban environment that is based on the use of the latest technologies and data. Such cities are an essential part of the modern digital economy. Thus, understanding of the current state of individual, business, and government data collection processes can help relevant actors to identify the best ways to integrate existing urban infrastructure and emerging digital solutions. The absence of cooperation between municipalities and businesses hinders productive implementation of urban projects, and discard interests of all parties involved. For effective development of urban infrastructure and improvement of the living standards of citizens it is necessary to create an ecosystem of micro- and macro-data interaction. This motivated Centre for research in Financial Technology and Digital Economy SKOLKOVO-NES to launch a study devoted to the systematization of existing data providers and data types in the city context in order to understand the opportunities and challenges of DDC development in Russia.; 11/14/2019
  • Financial Innovations Role in Consumer Behavior at Russian Retail Payments Market
    12th Economics & Finance Conference, Dubrovnik: ; 8/1/2019
  • Determinants of benefits at payments card market: Evidence from Russian end-users
    IARMEA & INEKA: This article evaluates the efficiency of current MIF rates for the Russian market and identifies the effects of their changes. In order to estimate the demand of end users and end-user surpluses the study uses the adopted version of the Bedre-Defolie and Calvano (2013) model as well as representative samples of 800 traditional (offline) Russian merchants, 1500 Russian individuals and 7 banks from the top 20 that cover more than 80% of the Russian issuing and acquiring markets and the end-user benefits. Results confirm the efficiency of currently set MIF rates. Comparative statics analysis confirms that the changes in MIF rates never lead to a Pareto improvement, while the total surplus changes are asymmetric across different market parts. The article also shows that once the realistic assumptions are introduced to the models (e.g., information asymmetry, imperfect pass-through of changes) the end-user welfare is distorted more severely as a result of the MIF rates changes. The first-best policy for the Russian regulator and legislators is the use of alternative (non-tariff) stimulating measures for a cashless economy in order to isolate the effect of changes to the intended groups.; 6/1/2019
  • “Digital Russia” index
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Digital economy has evolved from strategic priority for the governments into the tangible actions for businesses, municipalities and public. The necessity of evaluating the country’s digitalization level motivated us to create “Digital Russia” index. Based on the best practice in evaluation of the digitalization level as well as Russian economy specifics we created the know-how methodology that accounts for both quantitative and qualitative facts measured using the expert valuation built on metadata related to the digitalization processes in Russian regions. “Digital Russia” index reflects the existence and success of the regional initiatives related to the digitalization. 100 points are awarded in case the initiative has tangible actions (e.g., related to the creation of the necessary infrastructure), does not contradict the governmental strategic outlook at digitalization and has positive socio-economic and business effects. The index is based on the facts contained in open sources and related to the digitalization of Russian regions. Digitalization process is evaluated considering both the goals achievements and its publicity. “Digital Russia” index also accounts for the tone, reliability and quotability of the public mentions of the facts. Each fact is categorized in one of the 7 indicators: Regulation Specialized human resources Research and technological competences Digital infrastructure Information security Economic effects Social effects Index results reflect the first evaluation of the digitalization level and dynamics in Russian regions. These results will be useful to anyone interested in the digital economy and digital products development. In particular, public authorities may use the results for identification of leading and lagging regions, which may help rebalance the national strategies related to the digital economy development. Private sector, in turn, can refine marketing and product strategies in digital space and propose PPP projects to stimulate further digitalization in Russian regions.; 4/22/2019
  • Платежные экосистемы
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: The analysis of the role of ecosystems in the transformation of businessess associated with cashless payments; 12/3/2018
  • Меры по стимулированию развития безналичной экономики в России: результаты и новые подходы
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Quantitative research on the efficiency of measures for stimulating cashless economy in Russia and other countries; 12/2/2018
  • Российские потребители безналичных платежей: поведение, клиентский путь, типы платежей
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Qualitative analysis of Russian consumers' attitudes, pain points and moments of joy as well as payment strategies associated with the participation in retail payments market; 12/1/2018
  • Технологии в криптоиндустрии: состояние, стратегии и эффекты
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Comprehensive analysis of the state of technological advancement and its perspectives in the cryptoindustry; 12/1/2018
  • Classification of digital wallets
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Payment form factors massively migrate from physical to digital formats. Digital wallets have become “the new norm” during the recent years and transformed into a universal user interface at the retail payments market. One of the key trends that influenced this evolution is wide-spread use of smartphones and other mobile devices (including wearables), as well as, the rising demand for user-friendly interfaces. Mobile wallets usage has experienced tremendous growth during the last 3-5 years. There will be 2.1 bln mobile wallet users globally by 2019 (A 30% increase since 2017 (1,6 bln)) that will pay and transfer money using this form factor according to the Juniper research. Despite the wide-spread solutions are produced, for instance, by BigTechs, many banking and niche products gain their momentum (e.g., cryptowallets). The diversity of existing digital and, in particular, mobile wallets create a demand for classification approach that will underline the key differences and points for improving the products and corporate strategies related to these products. SKOLKOVO Financial Innovation and Cashless Economy Centre created a report that presents a two-part classification scheme for existing mobile payment interfaces. First criterion is related to the technological specifics, while the second one is focused on the strategic goal of creating a specific mobile wallet. The classification is based on the analysis of current market offerings, as well as industrial trends. In order to test the developed classification scheme, 10 wallets – best representatives differing by issuer and other specifics – were categorized. This report will be useful to any entities planning to create their own digital wallets or expand functionality of the existing ones. Other interested parties include regulators and other market agents, who are interested in the development and improvement of payment interfaces both in Russia and globally.; 11/29/2018
  • Russian merchants and cashless payments: attitudes, strategies, preferences
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Acquiring has recently transformed into a scalable product that is present in all types of merchants: according to the Central Bank of Russia data in 2012 a share of merchants accepting cashless payments was 30%, while in 2017 it has doubled: 62% of merchants accepted cashless payments. Among the retail chains this indicator is even larger: 87%. Merchants’ perception of cashless payments has also evolved during this period. Most of the merchants became indifferent between cash and cashless payments acceptance, while some representatives of e-commerce (37% in 2017) even preferred cashless payments to cash based ones. Merchants also mention the increasing quality and accessibility of acquiring services. Besides, digital and financial innovations continue to play important role in stimulating acceptance payments both locally and globally. Changing landscape of cashless retail payments, especially the attitudes towards them, strategies and preferences of merchants, motivated us to create this report. In 2014 and 2017 Financial Innovation and Cashless Economy Centre of SKOLKOVO business school produced fundamental studies of Russian retail payments market. However, the increasing importance of cashless payment as a strategic instrument for merchants requires studying the acquiring side of the market and merchants relationships with cashless payments in greater details. Apart from that, this report is also one of the key elements for the efficiency assessment of the existing tariffs (including MIF) at the Russian retail payments market. The key focus of this report is devoted to the current state and the dynamics of acquiring services in Russia from merchants’ perspective. Special attention is paid to the merchants’ attitudes, strategies and preferences towards cashless payments.; 11/28/2018
  • Financial inclusion beyond access
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Access to modern financial instruments such as accounts, transfers, deposits and credits not only brings direct economic benefits but also determines opportunities for efficient economic activities — financial services act as an infrastructure like roads or mobile/wifi network. Despite this, current level of financial services development does not allow to think about financial inclusion only in terms of access. Other dimensions of financial inclusion such as quality, depth of usage, welfare play more important role for both clients (especially for the consumer) and providers of financial services. According to the results of the study focus group discussions with users of financial services, consumers indicate quality and product line as a key factor for choosing the provider. Financial inclusion can play a key role in decreasing poverty levels and improving macroeconomic indicators such as economic development and stability (Beck et al., 2007). Representatives of academia, private and public sectors have already started to pay attention to financial inclusion areas beyond access. However, there is still no systemic approach to the analysis and development of usage, quality and welfare related to the financial services. In order to initiate an active discussion of financial inclusion as a complex phenomenon and offer an analytical frame as a basis for the discussion of the topic SKOLKOVO Financial Innovation and Cashless Economy Centre created “Financial Inclusion Beyond Access” report. Information from the open sources including academic papers, global and local research reports as well as public government resources and official documents/statements is enough to assess the effectiveness of measures/instruments for achieving certain goals in relation to financial inclusion as well as forming a strategic view on the future development of financial inclusion in Russia.; 11/15/2018
  • Network Effects at retail payments market: Evidence from Russian Merchants
    RSEP & IISES: This research examines the role of network externalities in card acceptance by merchants on the retail payments market in Russia. The work empirically tests the effects of both direct and indirect network externalities for the merchants? card acceptance probability based on the representative survey of 800 traditional (offline) merchants from all Russian regions. The main finding of this study is that the probability of cashless payments acceptance by merchants increases with the presence of direct and indirect or both types of network externalities, controlling for a large set of control variables, including merchants? characteristics and location-specific differences between the retailers. The results are robust to the changes in measures of network externalities and inclusion of shadow economy controls. The findings are significant both statistically and economically.; 9/1/2018
  • Без купюр: как Россия окупит проведение чемпионата мира
    Forbes: The effect of cashless payments and other parameters in returns from FIFA World Cup 2018; 8/1/2018
  • Исследование рынка розничных платежных услуг в России 2017
    Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report: Comprehensive nation-wide analysis of the state of retail payments market in Russia for 2017; 8/1/2018
  •  Evaluating Efficient Multilateral Interchange Fees: Evidence from End-User Benefits
    8th Annual CInSt Banking Workshop “Banking in Emerging Markets: Challenges and Opportunities”: ​Krivosheya, E. Evaluating Efficient Multilateral Interchange Fees: Evidence from End-User Benefits (July 9, 2018). Higher School of Economics Research Paper No. WP BRP 66/FE/2018.; 7/9/2018
  • Benefits of the retail payments card market: Evidence from Russian merchants
    Journal of Business Research: This article evaluates the benefits to merchants resulting from participation in the retail payments market. Using surveys to obtain a representative sample of 800 traditional (offline) Russian merchants, the article finds significant, robust evidence in favor of positive merchant's benefits. This study further separates the benefits into direct and opportunity: finding that the non-welfare improving regulatory initiatives might result from the failure to account for the opportunity benefits to merchants. This article also examines the factors affecting the level of merchants' benefits. Results show that factors affecting the value of benefits and the probability of accepting payment cards differ. Findings imply that unbalanced intervention may be detrimental to the agents' welfare, leading to a suggested mechanism for ex-ante evaluation of the effect of shocks and interventions.; 7/1/2018
  • Evaluating Efficient Multilateral Interchange Fees: Evidence from End-User Benefits
    NRU HSE Working Paper: This article evaluates the efficiency of current MIF rates for the Russian market and identifies the effects of their changes. In order to estimate the demand of end users and end-user surpluses the study uses the adopted version of the Bedre-Defolie and Calvano (2013) model as well as representative samples of 800 traditional (offline) Russian merchants, 1500 Russian individuals and 7 banks from the top 20 that cover more than 80% of the Russian issuing and acquiring markets and the end-user benefits. Results confirm the efficiency of currently set MIF rates. Comparative statics analysis confirms that the changes in MIF rates never lead to a Pareto improvement, while the total surplus changes are asymmetric across different market parts. The article also shows that once the realistic assumptions are introduced to the models (e.g., information asymmetry, imperfect pass-through of changes) the end-user welfare is distorted more severely as a result of the MIF rates changes. The first-best policy for the Russian regulator and legislators is the use of alternative (non-tariff) stimulating measures for a cashless economy in order to isolate the effect of changes to the intended groups.; 7/1/2018
  •  Станет ли Россия страной без наличных? 
    Forbes:    Кривошея Е., Семерикова Е. Станет ли Россия страной без наличных? //Forbes, 7 апреля 2017 (http://www.forbes.ru/kompanii/341953-stanet-li-rossiya-stranoy-bez-nalichnyh); 4/7/2017
  • Экономика напрямую: зачем индустриям нужна «уберизация»?
    Retail & Loyalty: Кривошея Е., Семерикова Е. Экономика напрямую: зачем индустриям нужна «уберизация»? // Retail & Loyalty, 17 апреля 2017 (https://www.retail-loyalty.org/journal_retail_loyalty/read_online/art266107/)/); 4/17/2017

По итогам конференции:

Исследовательский отчет:

Источники:

Journal of Business Research, NRU HSE Working Paper, Journal of Promotion Management, Technological Forecasting and Social Change, XXI Апрельская международная научная конференция по проблемам развития экономики и общества, НИУ ВШЭ, PhD Thesis, Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report, Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research report, in progress, RSEP & IISES, IARMEA & INEKA, Клуб банковских аналитиков и макроэкономистов, Forbes, Economics and Finance Conference, 8th Annual CInSt Banking Workshop “Banking in Emerging Markets: Challenges and Opportunities”, Retail & Loyalty, Centre for Research in Financial Technologies and Digital Economy SKOLKOVO-NES Research Report, PLUS, 12th Economics & Finance Conference, Dubrovnik

Биография:

Егор занимается исследовательской деятельностью в области финансов с 2012 года. Основные направления профессиональных интересов сосредоточены в области безналичной экономики, платежей, цифровой экономики, поведения участников рынка и финансовых технологий.

В 2014 Егор закончил бакалавриат по экономике в МИЭФ, НИУ ВШЭ и бакалавриат банковского дела и финансов в Лондонском Университете с отличием первой степени. В 2016 получил магистерскую степень по финансовой экономике в МИЭФ, НИУ ВШЭ. В 2020 году получил степень кандидата экономических наук (PhD HSE) в НИУ ВШЭ.

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