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Digital economy: Conceptual architecture of a digital economic sector ecosystem

The paper represents the main approaches to digital transformation based on the example of the most innovatively active sectors such as banking and healthcare. We compare the proprietary development of digital services (products) to the building of a digital sector ecosystem, aimed at attracting an unlimited number of participants. We defined the purpose of creating an ecosystem that is to provide the population with digital services formed on demand, in real time, in compliance with legislation and regulations, as well as in the context of maximum trust.