Emerging Perspectives on Self Service Technologies in Retail Banking

This paper attempts to critically examine the available literature on the subject, discuss a model that provides a managerial framework for analyzing the variables associated with customer value, and to identify potential research areas. The discussion draws conceptual impetus from new technologies in banking services through self service technologies in banking as a tool for optimizing profit. The discussion in the paper also analyzes the main criteria for successful internet-banking strategy and brings out benefits of e-banking from the point of view of banks, their technology and customer values and tentatively concludes that there is increasing returns to scale in the bank services in relation to the banking products, new technology and customer value.Self service technology, retail banking, customer value, profit optimization

When And How Does IT Service Matter? An Analytical And Empirical Analysis Of Heterogeneity Of IT Service Dimensions and the Impact of Non-IT Capability On Performance of Science Oriented Firms

Strategic use of IT has been the subject of considerable interest among researchers and practitioners, spurred by Carr(2003) and research about ‘IT productivity paradox’. The gist of debate is whether IT investment leads to competitive advantage or not. Even though IT is consist of multiple dimensions, previous studies consider the IT as one unit and oversimplify it. We examine how IT is strategically used in different IT dimensions by investigating the optimal IT investment decision of different dimensions in IT service competition. We consider IT conversion process as two steps. IT investment converts to IT service quality and, in order, service quality converts to financial performance. We refer to each step as ‘IT build’ and ‘IT use’ in this paper. We investigate the influence of non-IT capability on each step of conversion process. Our study shows that IT is strategic necessary and does not show strategic differences in some dimensions. And, in other dimensions, firms show strategic differences in IT investment and service quality decision. These are determined by trait of the non-IT capability required for generating IT service. This is consistent with ‘resource based view’. Also we show that firms have different capability in IT using. That is, firm’s capability of IT using moderates the effect of service quality on financial performance. These are investigated by analytical model and empirical test

Development Study of Evaluation Indexes for Internet Business Models

Under the prerequisite that virtual markets need a unit of analysis other than traditional markets, business model is set as the unit of analysis of this research. In this research, in order to help choose Internet business model that creates the most value, evaluation indexes for valuecreation potential of Internet business models are developed. As research methods, deductive method and analytic hierarchy process (AHP) are used. As the first stage of deduction process, the improved profits and the reduced costs, which factors are classified and quantitative and qualitative evaluation indexes of two dimensions are extracted by related studies. Then, evaluation indexes are corrected, complemented and verified through the expert interview, and analytic hierarchy is documented. As the result, the improved profits dimension outweighed the reduced costs dimension, and each qualitative effect outweighed each quantitative effect. The overall consistency index showed to be 2%, which means that all the experts are determined to have rational consistency

The business model: Theoretical roots, recent developments, and future research

The paper provides a broad and multifaceted review of the received literature on business models, in which we attempt to explore the origin of the construct and to examine the business model concept through multiple disciplinary and subject-matter lenses. The review reveals that scholars do not agree on what a business model is, and that the literature is developing largely in silos, according to the phenomena of interest to the respective researchers. However, we also found some emerging common ground among students of business models. Specifically, i) the business model is emerging as a new unit of analysis; ii) business models emphasize a system-level, holistic approach towards explaining how firms do business; iii) organizational activities play an important role in the various conceptualizations of business models that have been proposed, and iv) business models seek not only to explain the ways in which value is captured but also how it is created. These emerging themes could serve as important catalysts towards a more unified study of business models.Business model; strategy; technology management; innovation; literature review;

An empirical research of the effect of internet-based innovation on business value.

In recent years, much debate about the value of information technology (IT) in general and e-business in particular and has been raised. Aiming to contribute to the investigation of whether and how Internet/WWW technologies create business value, this paper develops a conceptual model, grounded on a well established theoretical foundation from the strategic management domain, the resource-based view (RBV) of the firm, which analyzes web infrastructure and internet-based innovation as sources of business value. The methodology involved a large data source collected by the European e-Business Market Watch, an established e-business observatory organization sponsored by the European Commission. Results show that web infrastructure is not significantly related to business value, while on the contrary Internet-based innovation has a positive significant impact on business value. In addition, results show no significant complementarities between web infrastructure and internet-based innovation. These findings indicate that firms should be very careful when they decide to make this kind of investments, since they have to combine ‘hard’ investments in web infrastructure with ‘soft’ investments for the development of new products, services and processes exploiting the capabilities of this infrastructure.We would like to thank e-Business Watch for the support provided. We also thank Fundación Cajamurcia for the financial support.Publicad

Ethics and taxation : a cross-national comparison of UK and Turkish firms

This paper investigates responses to tax related ethical issues facing busines

Revisiting the Relationship between Information Technology Infrastructure and E-Commerce Performance: A Generativity Perspective

This research proposes a framework to study the relationship between enterprise IT infrastructure generativity and e-commerce performance. IT infrastructure generativity is the capacity of enterprise IT infrastructure to allow its IT and business users to make new things out of it. It is important to e-commerce companies because e-commerce performance is mainly driven by IT-based innovations. Organizational generativity, which is conceptualized as a three-dimensional concept consisting of simple structure, innovation culture and strategic flexibility, is proposed to complement IT infrastructure generativity to enhance e-commerce company innovations and performance. Survey method will be adopted to empirically validate the framework, and a sample of 250 internet retailers from North America will be collected. This research intends to renew our understanding of the relationship between IT infrastructure and e-commerce performance from the IT generativity perspective

Impact of Business-to-Consumer Electronic Commerce Factors on Firm Performance in Taiwan\u27s E-Brokerage Sector

The new economy influences the entire economy, from corporations and governments to society. Business-to-consumer (B2C) electronic commerce (EC) continues to grow despite the burst of the 2000 e-bubble. Dramatic changes in EC and the significance of EC\u27s impact on firm performance are important practical issues. Variations in firm performance (outcome variable) are attributed to organization effect and to industry effect. Thus, a theoretical framework that combines a strategic typology with a resource-based view of the dynamic capabilities perspective can explain the industry and organization effect on firm performance. This non-experimental, correlational (explanatory) and causal-comparative (exploratory) survey and secondary data research design is the first to investigate the relationships among organizational characteristics (firm size and web age), CEO commitment to EC, strategy types, website design, and IT system integration capabilities on the performance of Taiwan\u27s e-brokerage firms. In this study, integrating factors of strategic types as an industry effect, CEO commitment to EC as a firm resource and website design and IT system integration as EC capabilities provided a better explanation of the performance of Taiwan\u27s e-brokerage firms. Findings indicated that strategy types showed no significant differences on the level of firm performance (online sales and market share). Another finding suggested that website design of catalog application and web age were significant contributors the to the online annual sales growth rate. In addition, CEO commitment to EC, website design of catalog application, IT system integration capabilities, and web age were significant explanatory factors of the online annual market share growth rate. Top managers of e-brokers in Taiwan must have the ability to do all things well in order to succeed in the rapidly-changing EC environment. EC firms can no longer benefit from first-mover advantage which contributes negatively to firm performance. At the same time, they need to emphasize and invest firm resources into EC and bundle and leverage EC (website design capabilities) as a way to create value for customers, build a sustainable competitive advantage, and gain superior performance over competitors

Do E-Business Investments Create Competitive Advantage: Perspectives from the Australian Banking and Financial Services Industry

Are advantages provided by e-business vanishing as IT becomes ubiquitous and affordable? Is it losing its strategic value and, therefore, its potential for strategic differentiation? This paper proposes a conceptual framework to assess strategic IT investments for e-business. The framework captures several business, human and time dimensions. It is argued that the interaction of these dimensions with IT is hard to be imitated by competitors, and has therefore, the potential to generate and sustain competitive advantage. We attempt to answer these questions by using the perspectives of IT practitioners in Australian financial service industry in the first of a multistage study

Conceptualizing inter-organizational triads

Interest in triads and triadic research settings for the study of inter-organizational issues is growing. A literature review of inter-organizational studies, claiming a use of triadic research design, shows that the terms “triad” and “triadic” have been used to describe many different types of inter-organizational phenomena. However, not all studies involving a context of three actors are actually examining triads. This paper offers a robust definition of three-actor constellations qualifying as triads. Moreover, it elaborates on different types of inter-organizational triads, based on two aspects of collectivity; cohesion and the ability to act as a single entity. The definition of inter-organizational triads and the categorization of different types of triads will hopefully encourage further studies of triads; the smallest and simplest network which offers insights, which cannot be achieved in the study of single actors or dyads.© 2016 Elsevier. This manuscript version is made available under the Creative Commons Attribution–NonCommercial–NoDerivatives 4.0 International (CC BY–NC–ND 4.0) license, https://creativecommons.org/licenses/by-nc-nd/4.0/fi=vertaisarvioitu|en=peerReviewed