Financial services in the РropТech ecosystem

The widespread introduction of information technologies into all spheres of human life has transformed the needs of customers in the real estate market. As a result, the PropTech ecosystem has emerged, a component of which are financial services provided on the basis of financial techno­logies. The aim of the research is to identify the components of the PropTech ecosystem and clarify the place of financial services in it. The research has put forward two hypotheses: the first is that PropTech is trans­forming into an ecosystem whose partici­pants are interconnected and provide comple­mentary services to clients; the second is that FinTech is a significant participant in the PropTech ecosystem, providing financial support for real estate transactions. To test the hypotheses and achieve the aim, the following methods were used: comparative, systemic and graphical. Prog­ram­matic, subject and behavioral approa­ches to understanding PropTech have been proposed. The technical, economic, social and psychological factors of the PropTech emergence have been iden­ti­fied. The characteristic features of the PropTech evolution stages have been systematized. The global PropTech market has been analyzed. The com­position of the PropTech ecosystem is propo­sed based on the combination of participants with a digital platform and the use of information technologies. The advantages and disadvantages of the functioning of financial services within the PropTech ecosystem, threats and opportunities for their development have been identified.