Credit in the Model of the Infrastructure Industry Ecosystem of the Agro-Industrial Complex

The development of the FinTech, AgTech and GovTech industries and the digital ecosystems that are emerging around them, the prospects for their convergence and the emergence of hybrid architectural solutions based on them are the subject of active scientific discussion. The purpose of the study is to develop the concept of a hybrid solution for the agro-industrial complex, incorporating industry value chains and public administration functions in a single digital platform, as well as the subsequent development of an ecosystem model of the functioning of agricultural credit. The methodology of this work is based on the hypothetico-deductive approach, and the hypothetical design of the study is formed by assumptions about the feasibility of developing ecosystem forms of government functions implementation in the agro-industrial complex. These include the need to integrate elements of the credit mechanism within the agro­industrial industry into the value chains that form the business models of industry ecosystems, as well as the possibility of creating a digital infrastructure ecosystem that combines commercial and government services on a single platform. Based on cases existing in the agro-industrial complex and financial sphere of digital ecosystems, we have developed a model of an infrastructure industry ecosystem. The model is structured into object, environmental, process, and project subsystems. Organizationally, the ecosystem will have a modular structure, and the Russian Ministry of Agriculture will act as its coordinator and IT integrator. Within the proposed model, we outline directions for incorporating elements of the industry credit mechanism into the ecosystem value chains, and for preferential loans, government support measures will become an element of a new ecosystem form of implementing public administration functions in the agro-industrial complex. The credit segment of the infrastructure industry ecosystem is implemented as a client-centered system based on digital technologies and FinTech, elements of the environmental subsystem and credit infrastructure. This system ensures seamless interaction between all participants and cost savings through the automation of transactions and the exchange of information.

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