Les principales théories appliquées sont celles de l'innovation et du changement institutionnel.Le choix du modèle d'innovation est affecté par la structure institutionnelle, la propriété, latrajectoire, le modèle d'entreprise, l'approche réglementaire et les objectifs d'innovation de la banque étudiée.
Six banques sont sélectionnées sur la base de afin d'identifier les thèmes et les modèles basés sur des comparaisons par paire et pragmatiques. Une étude qualitative basée sur le modèle de processus, la méthode des cas étendus et l'approche des études de cas multiples est appliquée. Besides describing the threat to existing banks, the position paper also discusses the perspectives for banks.Ĭette recherche vise à comprendre le processus et le modèle d'innovation financière adoptés parles grandes banques commerciales et les grandes entreprises FinTech opérant en Chine. The impact is illustrated using a competitive analysis of the banking industry and analogies to the media industry where new entrants from the computing industry have caused disruptive changes. On the one hand and existing electronic market infrastructures in the banking industry on the other, the concept of a customer-oriented financial market infrastructure is proposed as a possible future solution. A large variety of banking IT innovations has emerged and illustrates that traditional banks are expected to have less power to impede competition at the customer interface and in consequence need to re-position themselves.
#Starmoney ing diba drivers#
Position paper argues that the financial crises, the changing behavior of customers, upcoming innovations based on information technology (IT) and financial services offered by non-banks are strong drivers towards more customerorientation in the financial industry. While most banks use the services of these electronic markets to handle interbank processes, they still strive for bilateral relations in the field of customer-facing processes. The banking industry has been a pioneer in adopting electronic markets with exchanges, clearinghouses, and multilateral trading facilities having become the backbone of today’s globally integrated financial transactions.
0 kommentar(er)
