15,846 research outputs found

    E-finance-lab at the House of Finance : about us

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    The financial services industry is believed to be on the verge of a dramatic [r]evolution. A substantial redesign of its value chains aimed at reducing costs, providing more efficient and flexible services and enabling new products and revenue streams is imminent. But there seems to be no clear migration path nor goal which can cast light on the question where the finance industry and its various players will be and should be in a decade from now. The mission of the E-Finance Lab is the development and application of research methodologies in the financial industry that promote and assess how business strategies and structures are shared and supported by strategies and structures of information systems. Important challenges include the design of smart production infrastructures, the development and evaluation of advantageous sourcing strategies and smart selling concepts to enable new revenue streams for financial service providers in the future. Overall, our goal is to contribute methods and views to the realignment of the E-Finance value chain. ..

    The patterning of finance/security : a designerly walkthrough of challenger banking apps

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    Culture is being ‘appified’. Diverse, pre-existing everyday activities are being redesigned so they happen with and through apps. While apps are often encountered as equivalent icons in apps stores or digital devices, the processes of appification – that is, the actions required to turn something into an app – vary significantly. In this article, we offer a comparative analysis of a number of ‘challenger’ banking apps in the United Kingdom. As a retail service, banking is highly regulated and banks must take steps to identify and verify their customers before entering a retail relationship. Once established, this ‘secured’ financial identity underpins a lot of everyday economic activity. Adopting the method of the walkthrough analysis, we study the specific ways these processes of identifying and verifying the identity of the customer (now the user) occur through user onboarding. We argue that banking apps provide a unique way of binding the user to an identity, one that combines the affordances of smart phones with the techniques, knowledge and patterns of user experience design. With the appification of banking, we see new processes of security folded into the everyday experience of apps. Our analysis shows how these binding identities are achieved through what we refer to as the patterning of finance/security. This patterning is significant, moreover, given its availability for wider circulation beyond the context of retail banking apps

    Customer Agility Capabilities at EuroBank: The Role of ICT and Organizational Routines

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    Knowledge management (KM) plays a prominent role in IT and software development companies. It is often introduced as part of larger organizational change processes that aim at improving their software development processes. Process improvement in the IT sector has led to the establishment of the software process improvement (SPI) discipline. We present the conceptual basis for investigating how software companies can ground their improvement activities on knowledge management through a study of the KM and SPI literature. We identify two archetypes of knowledge organizations which we label exemplary and situational and two approaches to process improvement, which we call normative and reflective. Our analysis of the relationship between KM and SPI leads to a proposal for a balanced theory of KM in SPI and provides valuable insights into how meaningful KM can be conducted for process improvements in IT and software organizations

    Measuring Internet performance within the organization.

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    Model; Evaluation; Performance; Secteur du tourisme; SystĂšmes d'information; Information technology; Internet;

    A strategic perspective on the emergence and evolution of e-Banking in Saudi Arabia

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    The aim of the thesis is to look at the emergence and evolution of e-banking in Saudi Arabia, with particular emphasis on the processes of how banks implement e-banking to build their capabilities and create new value strategies. The research process focuses on understanding (1) how banks implement e-banking to build their capabilities as well as to create new value strategies, (2) how e-banking capabilities have been built, and (3) the role played by e-banking in shaping the strategic direction of banks. This requires understanding of a variety of aspects (i) the value created by e-banking products and services within different banks, (ii) the process of e-banking development within the different banks, (iii) how banks approach e-banking products and services, and (iv) how the banks align the demand and supply factors surrounding e-banking products and servicesThe theoretical approach blends inputs from different disciplines relevant to understand and deal with the subject matter of this thesis, including value creation and capability-building literature, technology implementation literature, with particular emphasis on the processes of implementing network technologies and e-businesses, as well as literature on process approaches. The methodological approach makes use of the case study strategy (Yin 2003) as research strategy, a multiple-case embedded design, as research design strategy, and three sources of evidence: (1) a survey distributed to all Saudi Arabian banks, (2) semi-structured interviews, and (3) archival records of e-banking transactions. The main fieldwork is longitudinal and takes place during three rounds: SeptemberOctober 2003, December 2003-March 2004, and December 2005-January 2006.The thesis investigates the emergence and evolution of e-banking at six Saudi Arabian banks: Samba Financial Group (Samba), AlRajhi Bank (AlRajhi), Saudi Investment Bank (Saib), Saudi Hollandi Bank (Hollandi), National Commercial Bank (AlAhli), and Riyad Bank (Riyad). This is followed by an investigation of the emergence and evolution of electronic securities trading systems at the Saudi Capital Market (i. e., Tadawul), providing an external view of the emergence and evolution of ebanking in Saudi Arabia.The analysis of the empirical material implements the theoretical propositions strategy via utilisation of the "sociotechnical constituencies" approach (Molina 1990; 1993) and its associated analytical tools of the "diamond of alignment" (Molina 1995), "alignment web" (Molina 2003) and "dynamic strategy mapping" (DSM) (Molina 2005). The aim is not only to use the approach to reveal how banks build their e-banking capabilities and create new value strategies, but also to test critically the applicability of the "sociotechnical constituencies" approach and its associated analytical tools for understanding e-banking value creation and capability-building strategies.The overall result of the investigation conducted by this thesis suggests that the Saudi Arabian ebanking' constituency-building process shows distinctive processes of sociotechnical alignment by each one of the specific Saudi banks' e-banking constituencies in the study. In addition, the use of Molina's "alignment web" to assess the state of each of the specific e-banking constituency-building processes helps identify the areas of strengths and weaknesses in these processes of sociotechnical alignment. The distinctiveness of development by each sociotechnical constituency is also highlighted by the application of the Molina's "dynamic strategy mapping" (DSM), showing that each constituency has its own combination of strategic ingredients.Although this thesis demonstrates strengths in the areas of logic replication, narrative writing, and validating procedure, in future studies it would be interesting to enhance its theoretical background, chronological structure, and quantitative assessment. This thesis contributes to providing a rich insight into the emergence and evolution of e-banking in Saudi Arabia, particularly at six of eleven Saudi banks as well as the technological systems of the Saudi Capital Market. Such contribution may be used to inform the future alignment strategy pursued by each the Saudi Arabian e-banking constituencies

    Prudential regulatory governance of the risks associated with IT multi-sourcing strategies within the Australian banking sector

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    Concerns about the adequacy of the Australian Prudential Regulatory Authority (APRA) prudential standards to govern the risks associated with the Australian banks’ multi-sourcing IT service delivery strategies provided the motivation for conducting this study. Three research questions were developed to investigate prudential risk management in the banking sector of the Australian Financial Services Industry (AFSI). RQ1: Do the banks employ complex multi-sourcing solutions driven by business unit demands to deliver their IT services? RQ2: What are the risk and governance model/s used by the banks to manage risks associated with their IT services multi-sourcing strategy? RQ3: Is the AFSI IT operational risk exposure adequately covered by the current APRA risk framework and prudential standards? The two largest Australian banks, Commonwealth Bank of Australia (CBA) and Westpac Banking Corporation (WBC) referred to as the ‘banks’ in this research are selected as the sample. CBA and WBC are the first and second largest banks when measured by capitalisation within the banking sector of the AFSI and represent 43 percent sample of the capitalisation value of the AFSI. Although profitable, the banks are under pressure from the market to reduce their cost-to-revenue ratio. One of the main strategies the banks employ to reduce IT costs is the outsourcing the delivery of IT services. Over the past five years a trend has evolved with the banks using offshore-outsourcing to deliver IT services and gain further IT savings. However little empirical research has investigated what impact this trend has had on the risk profile of the banks and the Australian banking sector as a whole. This research identified and investigated the different IT services delivery models adopted by the banks by analysing on the relevant literature and documentation available in the public domain in relation to the AFSI. The findings of this research developed a picture of the IT delivery landscape within the banking sector of the AFSI. Findings of this research also demonstrates the complexity of the banks operational environment which can be attributed to the banks’ introduction of their IT multi-sourcing strategies. Finally the findings of this research raise some questions about whether the risks associated with an increasing reliance on IT multi-sourcing to deliver IT services is adequately managed by Australian banking sector and the regulatory framework of APRA

    An Assessment of E-business Strategies Using the Strategic Alignment Model.

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    Most research concerning e-business offers a methodology, measures the predisposition of the firm or evaluates the consequences in terms of management.This research aims at designing a model for assessing e-business strategies based on the strategic alignment perspective.Using the Information Systems (IS) literature about alignment and data collected from 11 interviews of general and e-business managers from the main companies of the French tourism sector, 12 variables were identified.These, in turn, can be used to build an e-business alignment model for the enterprise.tourism; model; alignment; Information Technologies (IT); strategy; E-business; Information systems (IS); Internet;
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