The head of Sberbank, the German Graf, cited five theses for the development of the platform economy of the future. He stated this at the Economic Day plenary session of the Platform in the National Center of Russia, reports RBC correspondent.
The first thesis concerns the agent economy, which, according to Graf, "kills interfaces, and the interface is the platform's main weapon."
"Today, the platform is a screen: the feed, the storefronts, the search bar - all algorithms are able to hold a person's attention. All this is killed by artificial intelligence agents who are not interested in window shopping or scrolling through updates and are able to take actions in seconds. Platforms built around human attention will lose out to platforms built around a machine-readable interface," he explained.
The second thesis is related to the bank of the future which will be "invisible". "It's built into the core set of services and at the decision point, rather than being a proactive application. And today, a banking application is also a platform with a screen," said Rosh Saber. He sees a "fundamental change" in the bank moving away from a place where customers arrive and "integrating into the transaction process with agents". "The banks that will win will be the ones that become the best APIs for money, not the best applications for people - there will be a very big change in that part," Graff believes.
The third thesis concerns the monopoly of platforms, which he believes will destroy the interoperability of AI agents. "Now banks and markets fight it by cutting off access to data, but the network effect that every platform has: more sellers - more buyers, is access to the audience," he said. The banker pointed out that such a system works as long as people are connected to the interfaces. The agent is not tied to the interface and can simultaneously access dozens of market places and directly to manufacturers - this will break the monopoly.
In the fourth thesis, the head of Sberbank indicated a radical change in the business model of the market.