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1
Häggqvist, Jacob. "Digital Transformation in the Swedish Banking Sector." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264176.
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The face of banking has changed dramatically over the last few decades, and in no area does this statement hold more true than in the domain of digitalization. One term that has been relentlessly repeated when discussing the past, present and future of this development is ”Digital Transformation”. Digital Transformation can be tersely defined to mean change driven by digital technologies, with the potential to increase efficiency in existing processes, as well as to allow for new and novel technology-driven problem solutions and business models. Despite the fact that Swedish major banks have come a long way in their digital transformation efforts, there is a lot of evidence that points towards this process not proceeding fast enough. This study is an effort to get a general overview of the main barriers and mechanisms that are causing this development to proceed at a slower rate than might otherwise be desired, and to investigate how actors within the Swedish banking sector are seeking to overcome said barriers. This is done primarily through the interviewing of key personnel within major Swedish universal banks. The majority of the interviews are conducted with employees from a single major Swedish universal bank, taking the form of a case study, while a smaller number of interviews are conducted with individuals associated with other banks, in an effort to provide increased generalizability. The results of the study show that barriers standing in the way of continued digital transformation in the Swedish banking sector can generally be categorized into one of the following categories: Legacy Infrastructure, Organizational Structure, Organizational Culture, Incentive Structure, Resource Insufficiency, Regulation, and Failure in Management. The solutions and models discussed to address these issues included API First approaches, change driven through Cross-Functional Teams, and Collaborative Strategy Formulation.Hur bankverksamhet bedrivs har förändrats dramatiskt över de senaste årtiondena, och i inget område är detta lika tydligt som när det kommer till digitalisering. Ett begrepp som ständigt upprepas när man beskriver den forna, nutida och framtida utvecklingen av den här typen är ”Digital Transformation”. Digital Transformation kan kortfattat summeras till att betyda förändring driven av digital teknologi, med potential att öka effektiviteten i befintliga processer, samt möjliggöra för nya problemlösningar och affärsmodeller. Trots det faktum att de svenska storbankerna har kommit en lång väg i sina digitala transformationsinitiativ, så finns det mycket som tyder på att denna process ändå inte går tillräckligt snabbt frammåt. Den här studien är ett försök att få en generell överblick på de primära barriärerna och mekanismerna som orsakar att denna utveckling går långsammare än önskat, samt att undersöka hur aktörer inom den svenska banksektorn har för avsikt att bemöta dessa problem. Detta görs huvudsakligen genom intervjuer med nyckelpersonal inom de svenska storbankerna. Majoriteten av de intervjuade kommer från en enda bank, där en form av casestudie utförs, medan ett mindre antal intervjuer genomförs med individer tillhörande andra banker, i en ansats att ge ökad generaliserbarhet. Resultatet av studien visar att barriärer som står i vägen för fortsatt digital transformation i den svenska banksektorn kan generellt kategoriseras in i följande kategorier: Föråldrad Infrastruktur, Organisationsstruktur, Organisationskultur, Incitamentstruktur, Resursbrist, Regulation, och Misslyckanden i Styrning. De lösningar och modeller som diskuterats for att adressera dessa problem inkluderade API First-baserade tillvägagångssätt, förändring driven av tvärfunktionella arbetslag, samt kollaborativ strategiformulering.
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Гуменна, Юлiя Григорiвна, Юлия Григорьевна Гуменная, Yuliia Hryhorivna Humenna, and A. Eremenko. "Relationship between digital technologies and banking sector." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77713.
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Nowadays, digital technologies are fully penetrating and being implemented in
the financial services industry by offering products and services to consumers and
businesses through financial institutions. The rapid development of information and
communication technologies has enabled lending institutions to improve their
operations and develop remote banking services over the Internet.
Internet banking was introduced in the early 1990s. It has since grown rapidly
with the spread of the Internet. Digital banking, in the first place, includes the concept
of non-cash. Historically, this method of calculations arose at the end of the
seventeenth and early eighteenth centuries.
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Gankova-Ivanova, Zwetelina, and Larysa Turova. "Modern digital technologies of the banking system." Thesis, National Aviation University, 2021. https://er.nau.edu.ua/handle/NAU/54574.
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1. Vladyka J. P., Bezuhla L.S. and Turova L.L. Zdobutky ta novi vyklyky u
dijal'nosti systemno vazhlyvyh bankiv v Ukrajini. Elektronnyj naukovo-praktychnyj
zhurnal «Infrastruktura rynku» (in Ukrainian)
2. Zastrozhnikova I.V. (2021), Vplyv didzhytalizaciji na kadrovu polityku v
agrarnomu sektori, Investyciji: praktyka ta dosvid. 2021. № 4. pp. 77–81 (in
Ukrainian)The necessity of using digital technologies in banking activity, which consists in the general improvement of customer service, is substantiated; reducing the bank's operating costs, speeding up banking operations and increasing the bank's competitiveness. Areas of introduction of information technology in banking are systematized on several grounds, namely: the creation of corporate computer systems; sale of banking services on the Internet; development of intrabank management system and their automation.
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Friderichs, Michael. "The new banking model - digital revolution of the banking sector : the example of Commerzbank AG." Master's thesis, Instituto Superior de Economia e Gestão, 2017. http://hdl.handle.net/10400.5/14489.
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Mestrado em FinançasDigitalization is one of the most interesting and important topics nowadays in the banking industry. The objective of this internship report is to understand the importance of the Challenges for the banking sector and see the start of the digitalization on the example of the Commerzbank AG. This internship report starts with the description of activities developed during the internship at Commerzbank AG Branch Luxembourg. Going over to a Literature Review which deals with Regulation of the banking sector, current banking business models and further Challenges in the Banking industry. Most interesting in the current Challenges for the banking industry are covered by investing the topics of FinTechs & digital revolution, low interest rate environment & banks profitability and the Overcapacity in the banking sector. Next, applying the topics from the Literature review on Commerzbank AG, by explaining what is the solution and strategy for the current challenges. Finally, an outlook for Commerzbank AG and personal impression from the internship will be narrated.
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Wedberg, Ludvig. "Generation Y and digital banking : How can traditional Swedish retail banks address the needs and behavior of Generation Y in digital banking?" Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-254989.
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The financial sector is transforming as a result of PSD2 and open banking. The traditional retail banks face new competition from FinTechs and BigTechs. 78 percent of Nordic banks are concerned by the threat of disruption and 88 percent think that they need to rethink their business model. Customer experience and customer journeys are crucial as customer expectations is one of the major driving forces for the changing industry.Generation Y (1989 2000) is often defined as early adopters and digital natives which makes them an important but challenging customer segment. According to the Millennial Disruption Index, the banking industry is at the highest risk of disruption from generation Y. This study focus on how traditional Swedish retail banks can manage digital transformation and the needs and behavior of the Swedish generation Y. To identify the needs and demands of generation Y, four focus groups was conducted with 31 participants and four semi-structured interviews. The results was analyzed and related to a customer journey framework and the concept of platform banking.The results indicate that the Swedish generation Y demands personalized services and products as well as tailored Omni-channel experiences. They demand an expansion of financial services in the form of a “one-stop-shop”. In order to meet these demands, traditional Swedish retail banks must utilize their customer data and weight the Swedish generation Y´s trust in their security. This will enable them to develop superior customer experiences as well as extending their context and establish themselves as banking platforms.Den finansiella sektorn förändras till följd av PSD2 och open banking. De traditionella bankerna möter ny konkurrens från FinTechs och BigTechs. 78 procent av de nordiska bankerna är oroade av förändringarna och 88 procent tycker att de behöver ompröva sin affärsmodell. Kundupplevelser och kundresor är avgörande eftersom kundernas förväntningar är en av de viktigaste drivkrafterna för den föränderliga industrin.Generation Y (1989 2000) definieras ofta som digitala pionjärer vilket gör dem till ett viktigt men utmanande kundsegment. Enligt studien ”Millennial Disruption Index” har banksektorn den högsta risken för störningar från Generation Y. Denna studie fokuserar på hur traditionella svenska banker kan hantera digital transformation och den svenska generation Ys behov och beteende. För att identifiera behov och krav från generation Y genomfördes fyra fokusgrupper med 31 deltagare samt fyra semi-strukturerade intervjuer. Resultaten analyserades och relaterades till en kundrese teori samt konceptet om plattformsbanker.Resultaten indikerar att den svenska generation Y kräver personliga tjänster och produkter samt skräddarsydda Omni-kanalupplevelser. De kräver en expansion av finansiella tjänster i form av en "one-stop-shop". För att möta dessa krav måste traditionella svenska banker använda deras kunddata och utnyttja den svenska generation Ys förtroende för deras säkerhet. Detta kommer att göra det möjligt för dem att utveckla överlägsna kundupplevelser såväl som att utvidga sitt sammanhang och etablera sig som bankplattformar.
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Sewpaul, Sailesh. "Digital Strategies Senior Bank Executives in Mauritius use to Improve Customer Service." Thesis, Walden University, 2018. http://pqdtopen.proquest.com/#viewpdf?dispub=13422561.
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Customers’ use of digital banking has reshaped traditional banking, and senior level bank executives must know how to leverage this innovation to improve customer service to increase profitability. Using the technology acceptance model as the conceptual framework, the purpose of this multiple case study was to explore effective digital banking strategies that senior level executives used to improve customer service to increase profitability. The target population for this study included senior-level executives from 3 banks in Mauritius possessing successful development and implementation experience in digital banking strategies to improve customer service. Data were collected through semistructured interviews and organizational documents, which were analyzed in accordance with Yin’s 5-phase data analysis process consisting of pattern matching, explanation building, time-series analysis, program logic models, and cross-case synthesis. The use of member checking and methodological triangulation increased the trustworthiness of data interpretations. Three themes emerged from the analysis of data: use of mobile strategies to migrate customers to digital banking, challenges to migrate customers to digital banking, and digital banking innovation. The implications of this study for positive social change include improving convenience to customers; promoting green banking; and providing easy access to banking to the poor, those with physical disabilities, and those living in remote and rural areas.
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Mbama, Cajetan. "Digital banking services, customer experience and financial performance in UK banks." Thesis, Sheffield Hallam University, 2018. http://shura.shu.ac.uk/23305/.
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Digital banking through telephone, internet and mobile is becoming important for banks’ service marketing, especially with the increase in digital device usage and customer demand for financial services. The changing dynamics of banking means that banks’ performance is no longer solely dependent on branch sales. Capturing and retaining customers are vital for banks, and digital banking is becoming the tool of choice; however research on how it affects customer experience and UK banks’ performance is still limited. This thesis focusses on determining the impact of digital banking services on customer experience and financial performance. The research in the thesis uses a mixed methods approach, utilising bank financial reports, interviews and questionnaires to achieve important results and contribute to knowledge in practice, and in related services, marketing and e-commerce theories. The research adopted Regression, Structural Equation Modelling and Chi-Square analyses in quantitative research, while using Content Analysis in qualitative research. The research takes a broad approach in the investigation of digital banking, customer experience and bank financial performance. It has used qualitative and quantitative analysis techniques to produce, test and triangulate results to increase robustness. The research demonstrates how digital banking enhances banks’ profitability. It found that attributes such as perceived value, convenience, functional quality, service quality and digital banking innovation are important in improving customer experience, satisfaction and loyalty, and banks’ financial performance. The insights from the three research perspectives have been integrated to develop a new Digital Banking Services, Customer Experience and Financial Performance Enhancement Framework (DiBCEFPEF). The results from the thesis have the potential to assist banks in the provision of services, and improve customer experience and financial performance, such as profitable growth and economic value-adds, through digital banking.
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Berti, Monica, Julia Jushaninowa, Franziska Naether, Giuseppe G. A. Celano, and Polina Yordanova. "The Digital Rosetta Stone." Universitätsbibliothek Leipzig, 2016. http://nbn-resolving.de/urn:nbn:de:bsz:15-qucosa-201522.
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In cooperation with projects from colleagues in Berlin and powered by the British Museum in London, we present an ongoing project whose aim is to produce a digital edition of the Rosetta Stone (the “Decree of Memphis”). The project has two main goals: 1) textual alignment of the Hieroglyphic, Demotic and Greek versions of the Rosetta Stone; 2) morphosyntactic annotation of the three versions of the inscription. As first results, we present: 1) examples of alignment of the Hieroglyphic version of the text with translations into modern languages (through the Alpheios alignment editor; 2) the complete morphosyntactic annotation of the Greek text of the Rosetta Stone (through the Arethusa treebanking editor).
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LAGERQVIST, SOFIA, and Johanna BERGROTH. "Banking on Generation Y:Implications for traditional Swedish retailbanks in the digital era." Thesis, KTH, Hållbarhet och industriell dynamik, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-189565.
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During recent years, digitalization has had an increasing impact in the society. It has gone frombeing an isolated part of an organization into something that can instead transform the business as awhole. Many businesses have experienced this change, and traditional retail banks are no exception.The digital climate has enabled new digital operators to enter the financial market and these havemanaged to claim market space. At the same time, a new, less loyal and more digital generation ofcustomers, i.e. Generation Y, will have an increasingly important role on the market. However, it iscurrently not well known how traditional Swedish retail banks should manage this, and whatimplications the behavior of Generation Y will have on the banking industry.The purpose of this study was to provide insights and implications for traditional Swedish retailbanks on how Generation Y’s banking behavior can affect their future business, in an increasinglydigital environment. The behavior of Generation Y and how banks address their needs, anddigitalization as a whole, were investigated separately. The findings were then compared in order toprovide insights into where gaps between the banks and Generation Y could be found. Toinvestigate Generation Y’s behavior, a qualitative questionnaire was distributed and thenquantitatively analyzed. Furthermore, in order to investigate how the traditional banks addressGeneration Y’s needs, qualitative interviews were conducted with representatives from the four largeSwedish retail banks. By comparing the findings, the purpose of the study could be addressed.Through comprehensive data collection, gaps could be identified. The most important gaps werefound in the areas of financial advisory and aggregation of services. Customers did not perceivethese areas as important when choosing a particular financial service provider, whereas the banksconsidered these as competitive advantages in relation to other competitors. These findings providevaluable insights for traditional retail banks in particular, and for the financial market as a whole,since they provide implications on the sustainability of the operators’ strategy. Moreover, this studycomplements the digital customer behavior literature connected to virtual distribution channels andthe retail banking industry as a whole. One main finding was that Generation Y’s, otherwise trendseeking behavior is limited in the banking industry, and instead, habituation and security concernsare far more important. Therefore the findings suggest that Generation Y’s behavior might be moreconservative in the banking industry than in general.
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Duarte, Susana Catarina Alves. "Tendências futuras do setor bancário : o ajustamento da banca tradicional às novas tecnologias e a banca nativa digital." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19198.
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Mestrado em Gestão e Estratégia IndustrialEncontramo-nos em plena quarta revolução industrial e praticamente todas as indústrias estão a adaptar-se a novas realidades e a novas formas de estar no mercado, cada vez mais influenciadas pelas chamadas startup tecnológicas. O setor financeiro não é exceção. Este setor necessita de recuperar a confiança dos consumidores e estar preparado para uma concorrência cada vez maior de plataformas de crédito digitais - Revolut, N26, entre outras plataformas de trading e de investimento, que impuseram uma disrupção na indústria financeira. Salientando, que em grande parte dos casos, os novos concorrentes das instituições financeiras portuguesas têm origem no exterior - tanto de países da União Europeia, como do resto do Mundo. Adicionalmente, os avanços tecnológicos, juntamente com casos de má gestão de instituições financeiras, levam a que os clientes bancários estejam cada vez mais preocupados com a aplicação das suas poupanças e procurem mais informação sobre o mercado e produtos disponíveis. Sendo também consequência do mais fácil acesso à informação, existindo uma maior comparação de serviços. Ao longo deste projeto será analisada a evolução do setor bancário português, incidindo na evolução do marketing no setor, no crescimento tecnológico e nas preocupações dos reguladores em potenciar a concorrência e inovação, bem como a equilibrar a confiança, segurança e riscos sistémicos. Por fim, serão analisadas as respostas de 266 inquiridos para sabermos se os portugueses estão ou não preparados para essa digitalização e redução da presença física no setor bancário.
We are in the midst of the fourth industrial revolution and virtually, every industry is adapting to new realities and new ways of being in the market, increasingly influenced by so-called technology startups. The financial sector is no exception. This sector needs to regain consumer confidence and be prepared for increasing competition from digital credit platforms - Revolut, N26, among other trading and investment platforms that have disrupted the financial industry. Noting that, in most cases, the new competitors of Portuguese financial institutions originate from abroad - both from European Union countries and from the rest of the world. In addition, technological advances, coupled with cases of mismanagement of financial institutions, make bank customers increasingly concerned about applying their savings and seeking more information about the market and available products. As a result of easier access to information, there is a greater comparison of services. This project will analyze the evolution of the banking sector, focusing on Portugal, the evolution of marketing in the sector and the impact and concerns of regulators on enhancing competition and innovation, as well as balancing trust, security and systemic risks. Finally, the answers of 266 respondents will be analysed, as to whether or not the Portuguese are prepared for this digitization and reduction of physical presence in the banking sector.
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Pinto, Rui Pedro de Andrade. "O impacto da transformação digital na performance dos bancos europeus." Master's thesis, Instituto Superior de Economia e Gestão, 2020. http://hdl.handle.net/10400.5/21695.
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Mestrado em Contabilidade, Fiscalidade e Finanças EmpresariaisCom o aparecimento da internet, os comportamentos dos consumidores e as suas expetativas estão a mudar e a crescer a um ritmo cada vez mais acelerado, o que está a obrigar a indústria bancária, considerada historicamente bastante conservadora, a modificar as suas prioridades. Neste sentido, cada vez mais os bancos têm procurado introduzir a tecnologia em todos os seus processos e áreas, de modo a potenciar o seu impacto, e a torná-la uma vantagem competitiva perante os seus concorrentes.Assim sendo, este estudo tem como finalidade estudar a associação entre variáveisrepresentativas da transformação digital e medidas de performance dos bancos europeus, para o período compreendido entre 2016 e 2018. Para tal, recorreu-se a três métodos de estimação diferentes: o Método dos Mínimos Quadrados Ordinários, o Modelo de Efeitos Fixos e o Modelo de Efeitos Aleatórios.Em termos gerais, os resultados obtidos sugerem a existência de uma relação positiva e direta entre as variáveis digitais e de performance, o que significa que bancos com maiores graus de digitalização apresentam melhores níveis de performance.
With the appearance of the internet, the behaviors and expectations of consumers are changing and growing at an ever-increasing pace, forcing the banking industry, considered to be historically conservative, to modify its priorities. With that in mind, more and more banks have sought to introduce technology in every processes and areas, in order to enhance its impact and use it as a competitive advantage over their competitors.Thus, this study aims at analyzing the association between digital transformation variables and performance metrics of European banks, for a period between 2016 and 2018. To this end, three different estimation methods were used: Ordinary Least Squares, the Fixed Effects Model and the Random Effects Model.Overall, the results obtained suggest a positive and direct relationship betweendigital variables and performance metrics, which means that banks with higher degrees of digitalization report greater levels of performance.
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Damiano, André Luis. "As fraudes no Internet Banking e sua evolução para o Social Banking." Universidade de São Paulo, 2013. http://www.teses.usp.br/teses/disponiveis/18/18157/tde-12092013-094137/.
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A tecnologia da informação e comunicação é um fator importante no desenvolvimento futuro da indústria de serviços financeiros, com especial atenção ao setor bancário. A maioria dos bancos utiliza a Internet como um canal estratégico de distribuição onde seus serviços e produtos possuem uma relação muito próxima com o conceito mais amplo possível de marketing, aquele que descreve plenamente um ambiente e um nicho de negócio e onde o desenvolvimento e evolução deste canal associa-se diretamente a própria evolução do marketing em si. O tema central deste trabalho é apresentar uma revisão bibliográfica sobre o canal Internet Banking analisando as principais questões e desafios referentes às fraudes eletrônicas e suas ameaças, além de descrever o impacto das mídias sociais que estão ocasionando dentro das corporações. Realiza-se também um paralelo de como os serviços e produtos bancários acompanharam de perto a evolução do marketing e como, hoje, neste momento de transição de um paradigma econômico para outro, estes dois modelos se relacionam em um ponto específico: a tendência das fraudes no ambiente de Internet Banking e sua evolução para o Social Banking. Analisam-se também quais caminhos serão abertos dentro do novo paradigma de economia e marketing sociais para este tipo de ocorrência. Para atenuar de forma eficaz o risco de fraude, é importante implementar um amplo programa decisório para prevenção, que se estenda além de um conjunto de controles internos sofisticados em todos os níveis e divisões de uma organização. Finalmente, a conclusão e perspectivas futuras da evolução do Internet Banking para o Social Banking com uma análise da evolução das ameaças e fraudes eletrônicas neste novo canal.Information technology and communication is an important factor in the future development of the financial services industry, with particular attention to the banking sector. Most banks use the Internet as a strategic distribution channel where its services and products have a very close relationship with the broader concept of marketing, one that fully describes an environment and a niche business and where the development and evolution of this channel is directly associated with the evolution of the marketing itself. The central theme of this work is to present a literature review on the Internet Banking channel analyzing key issues and challenges related to electronic fraud and threats, and describes the impact of social media is causing in corporations. Additionally to the threats on the Internet Banking, this work brings an analyze of how the banking products and services are closely followed by the marketing evolution and how at this moment of transition from a economic perspective to another, these two business models are co-related to a specific aspect: The future and trends of the electronic fraud on the Internet Banking towards the evolution to the Social Banking. It also analyzes which paths will also open within the new paradigm of economics and social marketing for this type of occurrence. To effectively mitigate the risk of fraud, it is important to implement a comprehensive decision-making prevention program that extends beyond a sophisticated set of internal controls at all levels and divisions of an organization. Finally, the conclusion and future prospects of the development of Internet Banking for Social Banking with an analysis of the evolution of electronic fraud and threats in this new channel.
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Dubru, Rebecca. "Critical competencies of leaders in the digital transformation of banking in South Africa." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/64841.
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Leaders in the banking sector are facing an array of bewildering new digital challenges and opportunities, yet despite the many frameworks that exist on leadership competencies, they are still in search of the critical competencies required for leading digital transformation. The purpose of this research is to report data showing competencies that are effective for leading digital transformation in the banking sector.
The research approach took the form of a qualitative, exploratory research design, which involved 15 face-to-face, semi-structured, in-depth interviews with banking leaders such as CEOs, CIOs, Managing Executives, Heads of Departments and Digital Consultants.
The literature on traditional leadership competency models indicated three critical skills that enable effective leadership, namely business, cognitive and influencing skills. The study confirmed that all three skills are key and equally important in leading digital transformation. However, an effective leader must integrate and adapt these competencies in each context. Furthermore, four additional competencies that are critical for leading digital transformation emerged through the study, i.e. an entrepreneurial mindset, experiential learning, futuristic thinking and integrator competencies. These are represented in the Digital Leadership Competencies Model. The findings from this study contribute to the extant literature in the field of leadership.Mini Dissertation (MBA)--University of Pretoria, 2017.
pa2018
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
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Andersson, Joakim, and Axelina Boström. "Digitalization Strategies in the Banking Industry : A study among Swedish banks." Thesis, Umeå universitet, Företagsekonomi, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-161310.
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Problem The banking industry is changing with new technologies and the financial sector is exposed to the strong pressure of change. All this appearing as a result of the ongoing digitalization. Purpose The purpose of this thesis is to gain a deeper understanding of how Swedish banks internally work with digitalization. Also, to create an understanding of the banks’ views of challenges, opportunities, and the future perspective of the Swedish banking industry that follows with digitalization. Theoretical Framework The theoretical framework has been developed from our three keywords: Digitalization, Bank industry and Digital banking. The theoretical foundation of this thesis is presented to create an understanding of the concept of digitalization. Methodology A qualitative research approach is used in this thesis where interviews are conducted with highly insightful respondents from each bank to fulfil the purpose and answer the research question. Empirical Findings The result of the empirical data collection consists of primary data collected through interviews with four major banks in Sweden. Conclusions All banks have a different internal approach to digitalization. However, there is no one-size-fits-all solution for a successful strategy, and the banks must adapt their internal work in order to manage the digitalization in the most suitable way. Although there are some difference and similarities in how banks internally work with digitalization, it is evident that the banking industry is changing along with the digitalization. We are facing a new reality where the digitalization brings both challenges and opportunities. The banks have a positive perspective on the future of digitalization. However, we will probably see a lot of changes in the banking industry in the near future.
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Mungai, Kinyanjui. "The economic impact of FinTech in the South African banking industry: A case of digital disruption." University of the Western Cape, 2019. http://hdl.handle.net/11394/6977.
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Philosophiae Doctor - PhDThe Fourth Industrial Revolution has provided new opportunities to tackle problems in health, education, transport and many other sectors. In the financial sector, new financial technology (FinTech) is providing new ways of tackling the problem of financial exclusion. The uptake of cell phones has enabled financial service providers (FSPs) to expand into areas where the most vulnerable have hitherto been outside the reach of the banking agency model. This has ultimately allowed previously financially excluded individuals to have access to bank accounts. Through SMACT (Social Media, Mobile, Analytics, Cloud and the Internet of Things) technologies, FSPs are able to collect new types of data such as call detail record data and mobile app data which have been leveraged globally to enable the emergence of M-Pesa in Kenya, the WeChat payments module in China and KakaoBank, South Korea’s first online-only bank. The common thread in these innovations is that these are telecommunications company-led business models that have encroached into the area of finance. Such digital disruption has happened in South Africa but little is understood about how inclusive digital financial services are in the South African context. Moreover, what are the barriers to further financial inclusion, given that South Africa has significantly high bank account uptake rates? What role can the Fourth Industrial Revolution technologies have in breaking those barriers and reaching the lower-income population that has largely been mis-sold financial products that were created for the middle to upper-income population? This study sought to investigate how the diffusion of SMACT technology has contributed to financial inclusion in the South African financial services sector. The study made use of a mixed methods approach to answer this research question. Finscope data from 2012 to 2015 was used as the data source for the quantitative section and key informant interviews as the source of data for the qualitative section. The study found that roughly 80% of adults in South Africa are financially included through formal banks. Despite the near 100% uptake rates of cell phones across all income groups, proximity to an ATM or bank branch still significantly determined whether an individual accessed formal financial services. The study also found that ATM withdrawal, store withdrawal and internet banking were infrequently utilised by lower-income adults. In terms of internet banking and digital financial services in general, financial products, especially digital credit, do not appear to be well aligned with the needs of the lower-income consumer. The mismatch of financial products and the needs of lower-income consumers is further worsened by poor financial literacy levels in South Africa, especially among lower-income consumers. The study concludes that more needs to be done to increase economic inclusion, digital inclusion and financial inclusion for the lower-income population in South Africa. While consumer protection and transparency are well covered in the regulatory and legislative framework to which FSPs by and large adhere, a more inclusive and sustainable financial sector will only exist if product fit, affordability, financial literacy and convenience issues are addressed. This should happen in an enabling environment where ICT infrastructure benefits all, interoperability of digital financial services is reached and a regulatory framework more focused on financial inclusion is in place.
2021-08-01
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Wennergren, Victor, and Harnesk Simon. "Den digitala banken : En studie om digitaliseringens inverkan på kundnöjdhet." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-414706.
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Banksektorn har genomgått omfattande förändringar till följd av digitaliseringens framväxt. Ett bredare utbud av differentierade produkter har möjliggjort för konsumenter att utföra vardagliga bankärenden på egen hand. Detta har resulterat i att alltfler bankkontor stängs ner då det inte längre genererar samma lönsamhet, något som i sin tur reducerat den fysiska interaktionen mellan banker och deras konsumenter. Att produkter och tjänster blivit digitala har inneburit konsekvenser för banksektorn då det fysiska mötet utgjort en central del för konsumenters kundnöjdhet. Ett bredare utbud av differentierade produkter och tjänster har bidragit till en ökad komplexitet där avsaknaden av kompetens med hänsyn till datorer och teknik har påverkat konsumenters attityd till digitala produkter och tjänster. Då fysisk interaktion förekommer mer sällan är det avgörande för banker att utforma produkter och tjänster utefter konsumenternas behov. Då konsumenters beteendemönster tenderar att utvecklas i samma takt som digitaliseringen är det avgörande för banker att ha en förståelse om huruvida konsumenters attityd i relation till digitala produkter uppfattas samt bredda en förståelse om konsumenternas upplevelse med hänsyn till nya banktjänster. Då kundupplevelsen utgör grunden för kundnöjdhet är det betydelsefullt för banker att leverera en god upplevelse genom att möta kundens behov. Studien ämnade undersöka digitaliseringens inverkan på svenska bankkunders kundnöjdhet. Genom att studera detta var förhoppningen att få en bredare förståelse om huruvida svenska bankkunder upplever att digitaliseringen inverkat på deras kundnöjdhet. Studien tog avstamp i en tvärsnittsdesign med ett deduktivt tillvägagångssätt. Studiens datainsamling grundar sig i en kvantitativ metod och har genomförts genom en enkätundersökning i förhoppning om att nå en stor mängd respondenter. Antalet respondenter som deltog i studien uppgick till 241 där samtliga blev kontaktade via sociala medier. En regressionsanalys har använts för att studera sambandsmönster mellan studiens beroende-, oberoende- samt kontrollvariabler. Studiens teoretiska referensram utgörs av kundnöjdhet, digitalisering, TAMmodellen samt kundupplevelse. TAM-modellen samt kundupplevelse utgör i denna studie grunden för att närma sig ett svar kring hur digitaliseringen inverkat på svenska bankkunders kundnöjdhet. Med utgångpunkt i dessa två teorier framgick det att digitaliseringens inte haft någon negativ inverkan på kundnöjdhet men att det istället effektiviserat konsumenters sätt att uträtta bankärenden. Vidare framgår det av studiens resultat att upplevelse i allmänhet är en bidragande faktor till en högre grad av kundnöjdhet.The banking sector has undergone extensive changes as a result of the growth of digitalisation. A wider range of differentiated products has made it possible to for consumers to carry out everyday banking on their own with no need for physical interaction with the bank. As a result of this, bank branches have been closed as it no longer generates the same profitability. Due to this, there has been a reduction in the physical interaction between bank and customers. The fact that products and services has become digital has had consequences for the banking sector as the physical meeting has been a key part of customer satisfaction. The purpose of this study was to examine the impact of digitalization on customer satisfaction. The study was conducted using a cross sectional design with a deductive approach. The study’s data collection is based on a quantitative method and has been carried out through a digital survey. The data was analysed by a regression analysis to identify possible relationships between the studies variables. The results of this study show that digitalization does not have a negative impact on customer satisfaction.
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OLIVEIRA, JÚNIOR José Aélio de. "Integração de sistemas utilizando SOA visando maior usabilidade no ambiente de T-Banking." Universidade Federal de Pernambuco, 2009. https://repositorio.ufpe.br/handle/123456789/1913.
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Previous issue date: 2009A necessidade de informatização dos processos das empresas e a utilização de TI alinhada aos negócios vêm sendo uma das estratégicas de competição mais utilizadas entre as empresas. Essa realidade pode ser bastante visível no setor bancário. Os bancos começaram a investir na idéia do T-Banking, que nada mais é do que utilizar os recursos da TV Digital para oferecer serviços bancários através da TV. Com isso, os bancos se depararam com o problema da usabilidade, ou seja, a partir de agora um dos grandes desafios é fazer com que os clientes consigam utilizar os serviços bancários através de um dispositivo de entrada restrito, neste caso: o controle remoto da TV. Este trabalho apresenta uma solução para a integração de sistemas bancários e comerciais no escopo de pagamentos de contas através da TV Digital. Com a integração, esses serviços de pagamentos devem receber um tratamento de usabilidade, visando à simplicidade do ponto de vista do cliente. Nesse intuito, foi definida e implementada uma arquitetura que realiza essa integração e fornece previamente ao T-Banking as informações necessárias para realização de pagamentos de modo simplificado
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Envall, Julia, and Lisa Norgren. "Kundförtroende inom digital bankverksamhet." Thesis, Karlstads universitet, Handelshögskolan (from 2013), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-78640.
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During the last two decades, technological development and digitalization have had a major impact on societies worldwide. Industries have been forced to adapt to the technological development and implement new technology in order to remain competitive. The banking sector has undergone a transformation, in which traditional banking operations have become digital. Digital banking and the distance between bank and customers which follows, brings new challenges to the sector, such as elevated risks and new conditions to interact and build customer relationships. Majority of existing literature in the area of digital banking have focused on the adoption and acceptance of digital banking, while research of how trust among customers are affected by the digitalization remains limited. Therefore, our study aims to fill this gap. Trust is essential in any kind of relationship, and crucial in digital banking. The purpose of this paper is to investigate if digitalization affects customer trust in the context of digital banking. Further, the paper investigates whether perception of risk and perception of relationship affect customer trust in digital banking. Three hypotheses were developed based on existing research, predicting that digital banking usage, perception of risk and perception of relationship with the bank have an effect on customer trust. This study adopts a quantitative method, where data were collected through an online survey questionnaire. In total, a sample of 171 were obtained. Proposed hypotheses were tested using a multiple regression analysis, where our three independent variables were analyzed against the study’s dependent variable, and the two controlling variables age and gender. The empirical findings revealed that digital banking usage do not have an effect on customer trust in digital banking, while the perception of risk in digital banking has a significant influence on customer trust. Moreover, the perception of relationship with the bank has a significant influence on trust. Finally, age was shown not to moderate the relationship between independent and dependent variables, while gender was shown to have a relationship with independent and dependent variables. Empirical results aim to help the banks understand which factors are affecting customers’ trust and focus their attention to develop safer security systems and develop stronger relationships with their customers to build and maintain trust.Under de två senaste decennierna har digitaliseringens framfart bidragit till stora förändringar i samhället. Flertalet branscher har tvingats anpassa sig efter den teknologiska utvecklingen och implementera ny teknologi för att fortsatt vara konkurrenskraftiga på marknaden. Inom banksektorn har digitaliseringen inneburit en transformation, där traditionell bankverksamhet till större del övergått till att bli digital. Digitaliseringen och distansen som uppkommit mellan bank och kund har medfört nya förutsättningar, bland annat i form av risker kopplade till digital bankverksamhet samt förändrade förutsättningar vad gäller interaktion och relationsskapande. Mycket av den tidigare forskning som gjorts inom området digital bankverksamhet har fokuserat på acceptans och adoption av digital bankverksamhet, medan studier som undersöker hur de nya förutsättningarna påverkar kundernas förtroende för banken är bristfälliga. Därför strävar denna studie efter att fylla detta gap. Förtroende är av stor vikt i alla relationer, och är av särskilt stor betydelse inom digital bankverksamhet. Syftet med studien är att belysa om digitalisering påverkar kundförtroende på basis av banksektorn. Vidare är syftet att belysa om upplevd risk samt upplevd relation vid digital bankverksamhet påverkar kundernas förtroende. Tre hypoteser har formulerats utifrån existerande litteratur, som förutsäger att användning av digitala banktjänster, upplevd risk och upplevd relation med banken vid digital bankverksamhet har en påverkan på kundförtroende. Studien antar en kvantitativ metod där data samlats genom en webbenkätundersökning. Totalt besvarades 171 enkäter. Föreslagna hypoteser prövades genom en multipel regressionsanalys, där studiens tre oberoende variabler analyserades mot studiens beroende variabel, inklusive de två kontrollvariablerna ålder och kön. Resultatet visade att användning av digitala banktjänster inte har någon effekt på kundförtroende, medan upplevd risk har en signifikant påverkan på kundförtroende. Slutligen visade det sig att upplevd relation också har inverkan på kundförtroende. Ålder visade sig sakna signifikant påverkan på variablerna, medan kön visade sig ha ett samband. Studiens resultat avser fungera som hjälp för bankerna, som genom att veta att dessa faktorer påverkar kundernas förtroende kan fokusera på att utveckla säkrare system och utveckla sina relationer för att upprätthålla kundernas förtroende för banken.
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Insoll, Joshua, Andrew Teasdale, and Alexander Pataki. "Digital Challenger Banks, A New Wave of Banking : A qualitative Study into Switching Costs." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-85371.
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The purpose of this thesis is to explore the perception of switching cost in the context of Digital Challenger Banks (DCB) from a consumer’s point of view. Previous research on switching costs has been conducted in various service industries and clear concepts have been defined, although the terminology might vary. In essence the three broad switching costs are procedural, financial and relational. However, Digital Challenger Banks are a new wave of banking that are completely digital and have not been subjected to any exploration in regard to switching costs. This study is of exploratory and qualitative nature in order for new insights to be discovered and to get a deeper understanding of the underlying meaning behind consumers’ perceptions. Furthermore, it utilises the cross-sectional research design and semistructured interviews in the data collection process. In the findings a new conceptual model is suggested which highlight the procedural costs, namely economic risk as the most influential switching cost in relation to Digital Challenger Banks based on the perceptions of consumers followed by financial and lastly relational. Theoretically, this study contributes with two new potential items within procedural cost named ‘Previous Experiences’ and ‘Termination of Service, which could be of interest for future research. Results concluded in this thesis could have managerial implications for marketers working with traditional banks as well as DCB.
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Jose, Kristelle. "Exploring Digital Tools for Donor Mothers: Understanding Human Milk Donation & Milk Banking Challenges." Thesis, Malmö universitet, Fakulteten för kultur och samhälle (KS), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:mau:diva-21095.
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Premature newborns’ medical need for donor human milk surpasses the supply and the demand for it continues to increase. Lactating mothers with a surplus can help fill the gap and give fragile infants a better chance to grow by donating breast milk. This thesis project examines challenges in the human milk donation process and observes general milk donation operations. It seeks to answer what kind of tools and support are needed to streamline the human milk donation process for lactating mothers who voluntarily donate their extra milk supply. Looking closely at information and communication technologies, the project notes design implications for the development of donor-supported digital tools. Through a user-centered design approach, qualitative interview strategies, and feedback from a milk bank, mockups of a digital waiting room were created to provide informational and social support for donor mothers.
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Johnson, Robert. "On the proposed integrated services digital network /." Online version of thesis, 1987. http://hdl.handle.net/1850/10141.
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Callen, Naviglia Jennifer. "The Technological, Economic and Regulatory Challenges of Digital Currency| An Exploratory Analysis of Federal Judicial Cases Involving Bitcoin." Thesis, Robert Morris University, 2018. http://pqdtopen.proquest.com/#viewpdf?dispub=10745672.
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Digital currency comes in many forms however Bitcoin stands out as the most popular. Bitcoin, released to the public in 2009, remains in the infancy stage of the technology lifecycle. Bitcoin has no regulatory body, central bank or government backing creating doubt as to the digital currency’s legitimacy. Despite Bitcoin’s lack of “official” recognition, the digital currency’s popularity continues to grow as the number of merchants and vendors accepting the currency expands globally.
Focusing solely on the U.S. economy and monetary system, the lack of regulation and government recognition leaves legal disputes involving users of Bitcoin in the hands of a U.S. judicial system lacking previous case law as guidance. This research paper provides an in-depth analysis of the technical, economic and regulatory challenges facing the U.S. Federal Court system involving Bitcoin. A qualitative content analysis was employed in the exploratory review of 50 federal judicial cases involving Bitcoin. Key findings include discrepancies between the U.S. Judicial System and the U.S. Internal Revenue System on what and how to categorize Bitcoin, the value of bitcoin mining equipment, and the types of federal cases coming before the U.S. Judicial Courts involving Bitcoin.
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Al, Khattab S. A. "The impact of information technology on customer service in the Jordanian banking sector." Thesis, University of Salford, 2005. http://usir.salford.ac.uk/14879/.
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During the last two decades the bank marketing literature has been characterised by a concern for service quality and information technology (IT) within the industry. IT and customer service are relatively new `strategic weapons' for banks, both being concerned with the deployment of information. The two concepts relate to the building and maintenance of long-term profitable relationships between the customer and the bank. With increasing competition it has become necessary for banks to keep ahead of rivals by differentiating themselves and IT is seen as an opportunity to achieve a sustainable `competitive advantage', especially in terms of improving service quality. In the light of this, the aim of this study is to investigate the influence of IT on the quality of service in the Jordanian banking sector. To accomplish the study objectives a questionnaire survey was conducted with two independent samples (bank customers and branch managers). The empirical work involved the development of questionnaires which were used for data collection and the study sample consisted of 550 bank customers and 67 branch managers. Initially, the data in the questionnaires were analysed to provide a general description of the respondents' characteristics and their perceptions of individual variables of service quality, IT-based service, customer satisfaction / loyalty and bank selection criteria. The research hypotheses were tested using Kruskal-Wallis, Mann-Whitney, Spearman Correlation Coefficient and t-tests. The main results of the study show a significant and positive relationship between IT and customer service. The more IT is used, the better the perception of service quality be. The results also give another strong indication that IT is playing a crucial role, with regard to bank selection criteria. Additionally, the findings revealed that the least important factor in influencing customers' choice of their banks is higher interest on savings and deposits, which is strongly related to religion and cultural background. On the other hand, it has been found that the most important factors in motivating the adoption of electronic channels by customers are time-saving, followed by the convenience of these channels. The study suggests several recommendations in order to increase the effectiveness of IT in Jordanian banks and improve their strategic and `competitive positions'. Finally the thesis ends by setting out an agenda for further work.
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Norberg, Fredrik. "Agil Uppskalning för Distribuerade Scrum Team : En fallstudie om agil uppskalning utförd hos Nordea Digital Banking." Thesis, Uppsala universitet, Industriell teknik, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-296442.
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The purpose of this study was to examine how Nordea could take on agile scaling, focusing on a unit of distributed Scrum teams within their departmentfor digital banking. The aim was to be achieved by attempting to identify appropriate methods and best practices - for scaling agile - to implement for the unit's success. The teams are working in isolation from each other, deployed across Scandinavia, despite the development of the same products/services. By studying the challenges of Nordeas unit, this master thesis could give some concrete examples of how a large organisation can proceed to take on the aspect of agile scaling, involving distributed teams. The conclusions are that Nordea has initiated an agile transformation, but need more uniform teams if they want optimize through synergy effects. To attempt agile scaling for distributed nonuniform teams is not recommended. The management lacks transparency and should get more involved to make an analysis on the current situation so that long-term goals can be set up. Making use of a ready-made framework for scaling is not recommended when there are few dependencies between a small number ofpeople. To continue forward the assistance of external experts, who can analyze and measure the relevant components, is recommended. Recommendations have been given to the the question formulations anda number of other relevant points. These recommendations include appropriate methods and best practices for management to proceed with, and revolve around making the team more uniform without encountering too much of a resistance.
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Asphede, Gabriella, and Amanda Persson. "Digitalakundrelationer : Enfallstudieinomdensvenskabanksektorn." Thesis, Högskolan i Borås, Akademin för textil, teknik och ekonomi, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-941.
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Bakgrund: Digitalisering är ett aktuellt ämne som ofta uppmärksammas i svensk media. Medfokus på digital utveckling har bankers kundrelationer skiftat från fysiska möten till att i dagbli mer av en digital relation.Syfte: Studien har som syfte att fördjupa diskussionen kring digitala kundrelationer inom densvenska banksektorn.Design/metod: I studien har en abduktiv ansats använts för att kunna anpassa teori efterempiri och vice versa. En kvalitativ metod har använts och empiri har samlats in genom semistruktureradeintervjuer. Till följd av syftet att fördjupa förståelsen för hur bankerskundrelationer förändrats genom digital utveckling, utformades en fallstudie. Tio intervjuergenomfördes, där samtliga respondenter är anställda hos en av Sveriges storbanker.Resultat: Resultatet av studien påvisar att kundrelationer har förändrats mycket under en korttidsperiod. Framförallt tenderar kunder idag att allt oftare interagera i digitala kanaler än attfysiskt besöka ett bankkontor. Implementering av digitala tjänster har skapat flertaletutmaningar för bankerna, främst gällande säkerhet, tillgänglighet, användarvänlighet ochpersoner i digitalt utanförskap. Dock kan banken genom de digitala kanalerna interagera medkunder på en mer daglig basis, vilket enligt banken själva definierar en starkare och stabilarerelation. Dock infann sig meningsskiljaktigheter mellan studiens strateger ochkontorsanställda, då de möter olika kunder i sitt vardagliga arbete.Originalitet/ Värde: Det finns få studier som behandlar ämnet digitalisering inom den svenskabanksektorn. Uppsatsen bidrar därav med kunskap inom ämnet, vilket kan användas i vidareforskning.Background: Digitalization is a current topic that is often observed in Swedish media.Through a focus on digital development, banks' customer relations nowadays have shiftedfrom physical interactions to be more of a digital relationship.Purpose: The study aims to deepen the discussion on digital customer relationships within theSwedish banking sector.Design/methodology/approach: The study has used an abductive approach to be able tocustomize theory after empiricism and vice versa. Using a qualitative method, empiricism wasgathered through semi-structured interviews. As a result of the purpose, a case study weredesigned. The intention was to deepen the understanding as to how the banks' customerrelationships have changed through the digital development. Ten interviews were carried out,in which all respondents were employees of one of Sweden's major banks.Findings: The study indicates that customer relationships have changed a lot during a shortperiod of time. Customers tend to more often interact in digital channels than visiting aphysical bank branch. Implementation of digital services has created several challenges forthe banks, mainly regarding security, availability, ease of use, and people in digital exclusion.However, digital channels have enabled the Bank to meet customers on a more regular basis,which according to the Bank itself creates a stronger and more stable relationship. However,turned up differeces between the study strategists and office workers, as they encounterdifferent types of customers in their everyday work.Originality/value: There is a lack of Swedish studies that discuss the topic of digitalizationwithin the Swedish banking sector. The essay therefore presents knowledge within thesubject, which can be used in further research.
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Rosman, Tobias. "Investigating omni-channel banking opportunities in Sweden: From a user perspective." Thesis, KTH, Medieteknik och interaktionsdesign, MID, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-168666.
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For three decades research has been conducted about the adoption of new channels and technologies within banking, examining the determinants for why people adopt a new channel or not. According to Mckinney [16], most bank customers prefer to perform as many of their transactions through one single channel and they only go to another channel when the preferred one fails. Meanwhile, a study by Google [14] showed that 46% of the users that conduct financial tasks switch device before completing the task. The contradictory data leaves the community with questions about how the users view and use different banking channels. This paper aims to provide a better understanding of user behaviour across channels in the banking sector. It identifies if, and which of, the omni-channel principles (seamless interaction, optimization and consistency) are relevant in the Swedish banking context. A study took place over a three week period in Stockholm, based on a qualitative approach (interviews) and delimited to simple everyday banking tasks and to mobile and desktop channels. Results from the study show that users had a low need to switch between channels for the same task. Main reasons for choosing one device over the other were screen size, keyboard size, portability and availability which are physical characteristics that cannot change with omni-channel principles. The results suggest that a more unified user interface design based on the omni-channel approach lacks relevance for the simple everyday banking tasks, as users will probably not switch between devices even if the approach is applied. It also suggests that taking advantage of the strengths of each device is a good principle to follow when designing for cross-device systems like digital banking.De senaste tre årtiondena har mycket forskning utförts kring adoption av nya kanaler och teknik inom banksektorn. Man har tittat på avgörande faktorer till varför människor börjar använda sig av en ny kanal eller inte, men ofta undgått att titta på hur de använder sig av flera olika kanaler i kombination. Enligt en studie av Mckinney så vill bankkunder utföra så många av deras bankärenden genom en föredragen kanal och rör sig bara till en annan kanal när ärendet inte går att utföra i den föredragna kanalen. Samtidigt visar en studie av Google att 46% av användarna byter kanal för att slutföra sitt ärende vilket av många tolkats som att användare vill byta kanal och använda sig av flera. Dessa motsättande slutsatser gör att det fortfarande finns frågetecken kring hur och varför bankkunder använder sig av olika digitala bankkanaler. Denna studie har som mål att bidra med insikter kring användarbeteenden över flera kanaler i banksektorn. Den identifierar också om och hur omni-channel principerna (“seamless interaction”, “optimization” och “consistency”) är relevanta att ta i beaktning för banker i Sverige. En treveckors studie genomfördes i Stockholm, baserad på en kvalitativ metod (intervjuer) och begränsad till enkla vardagliga bankärenden och till kanalerna mobil och dator. Resultaten visar att användare har ett lågt behov av byta mellan kanaler för att utföra samma uppgift. De mest framstående anledningarna för att använda sig av en viss plattform var kopplade till skillnader i fysiska egenskaper som skärmstorlek, tangentbordsstorlek, bärbarhet och tillgänglighet - egenskaper som inte kan ändras med omni-channel principer. Resultaten föreslår att ett mer enhetligt användargränssnitt mellan plattformarna baserad på omni-channel principerna saknar relevans för de enkla vardagliga bankärendena, eftersom användarna inte kommer se värdet av att växla kanal trots de applicerade principerna. Studien föreslår också att man bör utnyttja plattformarnas styrkor när man designar för system som sträcker sig över multipla kanaler.
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Pereira, Patrícia Alexandra de Carvalho. "A transição da banca tradicional para a banca digital : o impacto da pandemia Covid-19." Master's thesis, Instituto Superior de Economia e Gestão, 2021. http://hdl.handle.net/10400.5/23312.
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Mestrado Bolonha em Gestão de Sistemas de InformaçãoO objetivo da presente investigação compreende a análise da transformação digital numa organização do setor financeiro em Portugal. Nos últimos anos, as organizações têm sido obrigadas a integrar e a explorar as tecnologias a fim de sobreviverem. Mais recentemente, a pandemia do Covid-19 acentuou esses efeitos ao nível da transformação digital. Face a estes aspetos, este estudo procura compreender os efeitos da transformação digital nas organizações. As questões de investigação que guiam o desenvolvimento deste trabalho são: “como é que a transformação digital impactou uma organização do setor bancário?” e “como é que a crise pandémica contribuiu para a aceleração da transformação digital?”. Para responder às questões de investigação utilizou-se uma abordagem qualitativa através de um estudo de caso. O mesmo é sustentado com base em dados recolhidos através de entrevistas semiestruturadas e documentos fornecidos pela organização. Os dados recolhidos foram analisados através do software de análise de dados MAXQDA. Com o estudo de caso, foi possível concluir que esta organização já iniciou a transformação digital. Alguns objetivos traçados e barreiras assinaladas foram ultrapassadas, através das estratégias adotadas e formuladas. Contudo, como consequência da recente crise pandémica COVID-19, alguns dos objetivos traçados para a transformação digital, como a eficiência, a experiência nos canais e a sustentabilidade do negócio, e algumas barreiras da transformação digital no pré-pandemia, como a burocracia e o mindset, foram superadas num curto espaço de tempo.
The objective of the investigation is to analyse the process of digital transformation in an organization acting in the Portuguese financial area. In recent years, organizations have been forced to integrate and exploit more and more technology in their activities in order to survive. More recently, the Covid-19 pandemic has accentuated these effects at the level of digital transformation. Bearing this in mind, this investigation aims to understand the effects the digital transformation is having in organizations. The research questions that drive this study are: "How does the digital transformation impact a banking sector organization?" and "How has the pandemic crisis contributed to the acceleration of the digital transformation?". In order to answer these questions, a qualitative approach to a case study has been used. The case study is based on data collected via semi-structured interviews and documents provided by the organization. The data collected were analysed with the MAXQDA data analysis software. With this case study, it is possible to conclude that this organization has already begun a digital transformation. Some goals and barriers have been overcome due to the strategies adopted and designed. However, as a consequence of the recent COVID-19 pandemic crisis, some of the goals defined for the digital transformation (such as efficiency, channel experience, and business sustainability) and some digital transformation barriers of the pre-pandemic times (such as bureaucracy and mindset) have been overcome in a short time.
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Белорус, А. В. "Діджиталізація діяльності комерційних банків в умовах посилення фінансових ризиків і загроз." Thesis, Чернігів, 2021. http://ir.stu.cn.ua/123456789/25040.
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Белорус, А. В. Діджиталізація діяльності комерційних банків в умовах посилення фінансових ризиків і загроз : випускна кваліфікаційна робота : 072 "Фінанси, банківська справа та страхування" / А. В. Белорус ; керівник роботи В. П. Ільчук ; НУ "Чернігівська політехніка", кафедра фінансів, банківської справи та страхування. – Чернігів, 2021. – 93 с.Предметом дослідження є процес цифрової трансформації комерційних банків України в умовах зростання фінансових ризиків. Об’єктом дослідження виступає діяльність комерційних банків України. Мета кваліфікаційної роботи полягає в визначенні рівня та темпів цифрової трансформації України, дослідження перспективних напрямків діджиталізації комерційних банків, подолання перешкод та усунення недоліків за рахунок мінімізації ризиків та загроз при впровадженні діджитал-технологій. Завданнями роботи є дослідження сутності цифровізації; аналіз діяльності комерційних банків на основі фінансової звітності; дослідження пріоритетних напрямів взаємодії комерційних банків з цифровими технологіями та оцінка ризиків і загроз; розробка заходів удосконалення цифрових інновацій та формування методів мінімізації та управління ризиками банків. За результатами дослідження сформульована якісна та кількісна оцінка цифрової трансформації комерційних банків, визначено рівень ризику та наявність загроз розвитку діджиталізації, а також сформовані шляхи подолання перешкод впровадження діджитал-технологій Одержані результати можуть бути використані комерційними банками та державними органами для підвищення ефективності та якості надання е-послуг.
In the first section, I have analyzed the theoretical foundations of digitalization of the banking system of Ukraine. The leading role of banks forces them to improve internal processes and services in accordance with the achievements of scientific and technological progress, which involves the development of FinTech. The main digital technologies of banks are the development of biometrics and identification systems, open banking, bank card tokenization, cloud banking, cybersecurity. In the second section, I have explored the features of the introduction of digital technologies by commercial banks. Ukraine is one of the countries with a moderate rate of digitalization, but lags behind in terms of development. Banks pay the most attention to remote identification of customers using BankID technology. During the coronavirus pandemic, COVID-19-related crimes are becoming more common. Today, banks have to build a system of protection for banking transactions, taking into account the changed realities and new threats to cybersecurity. In the third section, I have developed ways to improve the activities of commercial banks. To solve the above problems, I have suggested: - Increasing the level of digital and financial literacy of the population; - Increasing cybersecurity and improving the protection of confidential data; - Modernization and upgrade of banks' IT infrastructure.
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Karagöz, Elin. "Managing Innovation of Payments : A Study of Regulatory Compliance Within Swedish Banking." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-279621.
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This study investigates challenges that emerge for Swedish incumbent banks when pursuing compliance with IT security regulations, while simultaneously striving towards innovation in order to maintain market competitiveness in terms of digital payment service offerings. As competition increases within the payment service industry, developing innovative services becomes increasingly important. At the same time, it is essential that these solutions maintain a high level of IT security, both in terms of the preservation of customer trust as well as in terms of compliance with financial regulations. Consequently, the aim of this study was to contribute to research from an incumbent banking perspective, where theory together with a qualitative case study has revolved around the topics of technology, compliance, and innovation in the pursuit of identifying key challenges. The study included a series of interviews with respondents within banking, IT security, and compliance management. This resulted in three principal challenges regarding compliance and innovation within payment services at incumbent banks, along with proposed actions to be taken. Firstly, the necessity of incrementally transitioning from legacy infrastructure towards modernized platforms was established. Secondly, banks are encouraged to make trade-offs between regulations and deploying new products and services. Finally, for banks to engage in communication and collaboration within the organization as well as with regulators can facilitate compliance as well as promoting harmonization of regulations.Denna studie undersöker de utmaningar som svenska storbanker står inför i en digitaliserad miljö där både IT-säkerhet och innovation behöver tillgodoses för att upprätthålla konkurrenskraft gällande betaltjänster. Då konkurrensen ökar inom betaltjänstsektorn blir utvecklingen av innovativa tjänster allt mer betydelsefull. Samtidigt är det viktigt att dessa lösningar håller en hög nivå av IT-säkerhet, dels för att bibehålla kundförtroende, men också för att banker lyder under finansiella regelverk. Följaktligen var syftet med denna studie att bidra till kunskap om utvecklingen av framtidens betaltjänster. Teori och empiri kretsade kring områdena teknik, regelverk och innovation, med en strävan att identifiera huvudutmaningar på området. I en kvalitativ fallstudie inkluderandes en serie intervjuer med experter inom banksektorn och ITsäkerhet. Resultaten visade att de viktigaste utmaningarna kopplat till regelefterlevnad och innovation inom betaltjänster för storbanker är nyttjandet av föråldrad teknik, behovet av en avvägning mellan att uppfylla regelverk och utveckling av nya produkter och tjänster, och slutligen kommunikation och samarbete inom både organisationen och med lagstiftare.
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Scrócaro, Rúbia. "Elementos de sustentação da efetividade do uso da certificação digital em aplicações de Internet Banking : estudo de caso em uma instituição pública bancária." reponame:Repositório Institucional da UnB, 2013. http://repositorio.unb.br/handle/10482/14595.
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Dissertação (mestrado)—Universidade de Brasília, Faculdade de Tecnologia,
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Esta dissertação apresenta uma análise dos elementos de sustentação da efetividade do uso do certificado digital em aplicações de Internet Banking, com estudo de caso de uma Instituição Pública Bancária, com nome fictício de Banco Capital. O Banco Capital, para implementar o projeto certificado digital no Internet Banking, adotou uma solução de framework de certificado digital que assina e verifica a assinatura digital em documento eletrônico, requisição carimbo de tempo de uma autoridade certificadora, válida o certificado digital e sua correspondente cadeia de certificação e gerencia as listas de certificados revogados. O presente trabalho foi desenvolvido com embasamento em pesquisas do setor bancário e revisões de literatura relacionadas ao tema, com a finalidade de analisar se a solução de framework de certificado digital trata os elementos suficientes que garantem a sustentação da efetividade do projeto na Instituição. O projeto certificado digital no Internet Banking está em fase de testes, o piloto está disponível para os acessos de empregados do banco, com previsão de expansão para todos os clientes. Durante a realização do estudo, a solução de framework de certificado digital apresentou características não satisfatórias em relação às considerações apontadas pelos autores. Uma proposta com recomendações é sugerida em forma de plano de ação. ______________________________________________________________________________ ABSTRACT
This paper presents an analysis of the elements supporting the effectiveness of using the digital certificate in Internet Banking applications, with case study of a Public Bank, with real name of Bank Capital. The Capital Bank, to implement the project digital certificate in Internet Banking, adopted a solution framework digital certificate that signs and verifies the digital signature on an electronic document, requests the time stamp of a certification authority, validates the digital certificate and its corresponding certificate chain and manages the certificate revocation lists. This work was developed with grounding in research in banking and literature reviews related to the topic, in order to examine whether the solution framework of the digital certificate is sufficient to ensure the support of the effectiveness of the project in the institution. The project digital certificate in Internet Banking is in the testing phase, the pilot is available for access to bank employees, with expected expansion to all customers. During the study, the solution framework of digital certificate presented unsatisfactory characteristics in relation to the considerations mentioned by authors. A proposal with recommendations is suggested in the form of an action plan.
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Bartoo, Debora S. "Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents." Antioch University / OhioLINK, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739.
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Silveira, Alexandre da. "Relacionamento com os associados de uma instituição financeira cooperativa na era digital: Um estudo para identificação das dimensões de marketing de relacionamento mais valorizadas." Universidade do Vale do Rio dos Sinos, 2017. http://www.repositorio.jesuita.org.br/handle/UNISINOS/6481.
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Submitted by JOSIANE SANTOS DE OLIVEIRA (josianeso) on 2017-08-08T12:47:22Z
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UNISINOS - Universidade do Vale do Rio dos Sinos
Nas relações de negócio de uma instituição financeira o quesito qualidade é fator relevante para manutenção da relação com seu cliente e igualmente relevante na formação de vínculos para futuros novos negócios. Em instituições financeiras cooperativas o fator relacionamento é ainda mais importante, pois o cliente é visto como sócio, ou seja, parte integrante e responsável pelo empreendimento. Além da qualidade, existem características que são, igualmente, importantes para o estabelecimento e manutenção de um relacionamento e para obtenção de resultados através do mesmo, tais como: expectativa de benefícios do cliente, a expertise da instituição financeira, a comunicação, a duração, o comprometimento, a confiança, a satisfação, o desempenho, a cooperação. Mas dentre tantas dimensões de relacionamento, quais são efetivamente as mais relevantes? Ainda, com o advento da era digital, as instituições financeiras, buscando uma posição de vanguarda tecnológica, utilizam-se de novas tecnologias com potencial de operacionalizar um relacionamento digital em que a presença física das partes já não é um imperativo para as operações. Deste modo, o presente estudo buscou identificar quais são as dimensões de relacionamento mais valorizadas pelos associados de uma cooperativa de crédito num contexto tradicional, e, a partir de correlações entre as dimensões identificadas, avaliar eventuais mudanças de comportamento em virtude de um contexto digital. Os resultados do estudo puderam constatar, através de uma pesquisa survey com uma amostra de 325 respondentes, uma posição de destaque para as dimensões de relacionamento que possuem uma ligação entre os dois atores: cooperativa e associado. Aquelas dimensões que somente podem existir caso existam as duas entidades, cooperativa e associado. Por exemplo, comunicação. Comunicação só existe a partir de um relacionamento bilateral entre associado e cooperativa. Por outro lado, o estudo constatou que dimensões unilaterais, como expectativa de benefícios - pelo lado do associado - ou disposição à investimentos – pelo lado da cooperativa não são as mais relevantes nesta relação. Ainda, o advento da era digital mostrou que, mesmo em um contexto diferenciado, quando os canais de relacionamento e interação entre associado e cooperativa passam por evoluções tecnológicas significativas, as dimensões de relacionamento com essência bilateral permanecem sendo as mais relevantes.
The quality aspect is a relevant factor in the business relations of a financial institution for maintaining the relationship with its client and equally relevant in the formation of bonds for future new business. In cooperative financial institutions, the relationship factor is most important because the client is an associate, that is, an integral part and responsible for the enterprise. In addition to quality, there are characteristics that are equally important for establishing and maintaining a relationship and for achieving results through it, such as: customer benefit expectation, financial institution expertise, communication, duration, Commitment, trust, satisfaction, performance, cooperation. However, among so many dimensions of relationship, which are actually the most relevant? With the advent of the digital age, financial institutions, seeking a technologically advanced position, use new technologies with the potential to operationalize a digital relationship where the physical presence of the parties is no longer an imperative for operations. In this way, the present study sought to identify which are the most valued relationship dimensions of the members of a credit union in a traditional context, and, based on correlations between the identified dimensions, to evaluate eventual behavior changes due to a digital context. The results of the study showed, through a survey with a sample of 325 respondents, a prominent position for the relationship dimensions that have a link between the two actors: cooperative and associate. Those dimensions that can only exist if there are two entities, cooperative and associated. For example, communication. Communication only exists from a bilateral relationship between associate and cooperative. On the other hand, the study found that unilateral dimensions, such as expectation of benefits - on the side of the associate - or willingness to invest - on the cooperative side are not the most relevant in this relationship. Moreover, the advent of a digital age has shown that, even in a differentiated context, where the channels of relationship and interaction between associate and cooperative undergo significant technological evolutions, the dimensions of relationship with bilateral essence remain the most relevant.
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Kaya, Mine, and Natalie Aoudo. "Digitalisering av banktjänster och dess påverkan på Generation X." Thesis, Södertörns högskola, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-41772.
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Background: In connection with the digitalisation of banking services, new players establishing themselves in the market and increased awareness that there is a large variety of attractive banking services among private banking customers, the banking sector is undergoing major changes. Individuals are often customers in different banks at the same time for different purposes. It is therefore important for bankers to identify determinants that can be of important nature when the customer chooses a bank and banking services. Purpose: The overall purpose of the study is to create an understanding of how digitization of previously physically performed banking services and how other determinants affect how private banking customers, in the age range 40-55, choose banking and banking services. Furthermore, the study aims to present proposals for future improvement work for the banks in line with the factors identified in the study. Method: To achieve the purposes of this study, a combination of two methods was used: quantitative method and qualitative method. The quantitative method was applied through a web-based survey and the qualitative method through individually made interviews. Conclusion: A conclusion can be drawn that bank customers belonging to generation X, the middle age, have a positive experience of digitalization of previously physically performed banking services. Furthermore, the main determinants that affect bank customers when choosing a bank are; recommendations from friends and family, interest rates on loans, friendliness and helpful staff, the bank's reputation and availability. Improvement proposals from customers to the banks showed that customers want to see more work in sustainability and to see better alternatives for customers whose technological ability is not good, for example the older generation.
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Кутишенко, Р. С. "Управління корпоративним бізнесом в умовах цифрової економіки." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Kutishenko.pdf.
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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі узагальнюються особливості використання цифрових технологій при банківському обслуговуванні корпоративного бізнесу. Цифровізація світової економіки, що відбулася за останнє десятиліття, спричинила підвищення конкуренції на ринку фінансових послуг, змусивши банківську систему реагувати на нові виклики. Завдяки прогресу цифрових технологій фінансові послуги трансформуються та стають більше орієнтованими на клієнтів. Виникли банки, які працюють лише через мобільні додатки, а надавачі послуг інтернет-платежів розширилися та пропонують споживче кредитування. Використання цифрових технологій у банківській діяльності дозволить банкам поліпшити якість і прибутковість не лише від надання банківських послуг, а й від підвищення ефективності супутніх процесів, таких як управління персоналом, аналітична діяльність, забезпечення безпеки інформації тощо. На основі проведеного аналізу автором зроблені висновки, що для створення повноцінного ринку банківських послуг в умовах цифровізації в Україні доцільно було б вирішити проблеми, які постали перед даною сферою. Надані рекомендації щодо удосконалення банківського обслуговування корпоративного бізнесу в АТ «Південний» щодо підвищення стандартів якості обслуговування клієнтів, впровадження нових банківських продуктів, подальшого вдосконалення інноваційної стратегії розвитку. Під чaс дoслiдження викoристoвyвaлися нaстyпнi зaгaльнoнayкoвi метoди: yзaгaльнення тa системaтизaцiя; пoрiвняння; системний aнaлiз.
The paper summarizes the features of the use of digital technologies in corporate banking. The digitalisation of the global economy over the past decade has led to increased competition in the financial services market, forcing the banking system to respond to new challenges. With the advancement of digital technologies, financial services are being transformed and become more customer-oriented. Banks have emerged that operate only through mobile applications, and Internet payment service providers have expanded to offer consumer lending. The use of digital technologies in banking will allow banks to improve the quality and profitability not only of providing banking services, but also of improving the efficiency of related processes such as personnel management, analytical activities, information security and more. Based on the analysis, the author concluded that to create a full-fledged market for banking services in the context of digitalization in Ukraine, it would be appropriate to solve the problems facing this area. Recommendations for improving the banking services of corporate business in JSC "Southern" to improve the quality of customer service, the introduction of new banking products, further improvement of innovative development strategy. During the research, the following general methods were used: generalization and systematization; comparison; system analysis.
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Tessima, Rose Mari. "O que pensam as pessoas com deficiência sobre a inclusão no setor bancário brasileiro: um estudo qualitativo." Universidade Católica de Brasília, 2018. https://bdtd.ucb.br:8443/jspui/handle/tede/2457.
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People with disabilities use banking services, however, in the empirical literature little evidence has been found linking the issue of the Person with disability and the accessibility with the offer of banking services. To characterize the theme, a literature review was carried out which emphasized: the technical standards. The legislation on Inclusion of Persons with Disabilities in the various segments of society. Their rights and obligations. The technological development that provides greater independence to the Person with Disabilities. Assistive technologies. Credit lines provided by banks for the acquisition of equipment, orthoses, prostheses and financing of architectural projects for residential accessibility. Banking applications for the segments of the Person with Disabilities. In this review it was found that there is a good evolution in the development of assistive technologies that seek to offer a better quality of life for the People with Disabilities. Brazil has good legislation regarding the rights and obligations of the Person with Disabilities, but there is still a way to be followed so that this legislation is understood, respected and fulfilled by Brazilian society, but this is a matter of cultural evolution that still lacks some time to consolidate. It was also found that there is a line of credit available to People with Disabilities, but it does not serve the entire population of people with disabilities. Banks are using technologies to provide care for this audience, such as screen reader, biometrics for customer identification, extracts in braille. Participants in the survey were People with Disabilities, with disabilities: physical, visual and auditory, who are clients of banks, not having been a profile of persons with associated disabilities. Having ascertained with the interviewees that they see their relationship with banks and banking products as "normal", not characterizing as good or bad, but very similar to what any ordinary citizen receives from banks, that many of his observations are common to other customers.
Pessoas com deficiência utilizam serviços bancários, entretanto, na literatura tem-se encontrado pouca evidência que relacione a questão da Pessoa com Deficiência e a acessibilidade com a oferta de serviços bancários. Para caracterizar a temática realizou-se uma revisão de literatura e análise documental que enfatizou: as normas técnicas; a legislação referente a Inclusão da Pessoa com Deficiência nos diversos segmentos da sociedade; seus direitos e obrigações; o desenvolvimento tecnológico que propicia maior independência a Pessoa com Deficiência; as tecnologias assistivas; linhas de crédito disponibilizadas pelos bancos para aquisição de equipamentos, órteses, próteses e financiamento de projetos de arquitetônicos de acessibilidade residencial; aplicativos bancários destinados ao segmento de Pessoa com Deficiência. Na análise, apurou-se que existe uma boa evolução no desenvolvimento de tecnologias assistivas que buscam oferecer melhor qualidade de vida para as Pessoas com Deficiência. Apesar do Brasil ter uma boa legislação no que se refere aos direitos e obrigações da Pessoa com Deficiência, ainda existe um caminho a ser percorrido para que esta legislação seja entendida, respeitada e cumprida pela sociedade brasileira, mas esta é uma questão de evolução cultural que ainda carece de certo tempo para se consolidar. Identificamos a existência de uma linha de crédito dedicada para as Pessoas com Deficiência, mas que não atende a toda esta população de pessoas com deficiência devido as regras de utilização. Observamos que os bancos estão utilizando novas tecnologias para oferecer atendimento para este público, tais como leitor de tela, biometria para identificação do cliente, extratos em braile. Participaram da pesquisa Pessoas com Deficiência, com deficiência: física, visual e auditiva, que são clientes de bancos, não tendo sido perfil pessoas com deficiência associada. Foi apurado junto aos entrevistados que eles vêm sua relação com os bancos e produtos bancários como “normal”, não caracterizando como bom nem como ruim, mas bem parecido com o que qualquer cidadão comum recebe dos bancos, que muitas de suas observações são comuns aos demais clientes.
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Koshyna, L. M. "The development of International banking in the context of global financial imbalances." Master's thesis, Sumy State University, 2019. http://essuir.sumdu.edu.ua/handle/123456789/75552.
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Магістерська робота присвячена дослідженню моделей банківського бізнесу з урахуванням кризових тенденцій фінансового ринку. В роботі проведено аналіз поняття фінансової кризи, її причин і наслідків. Проведено ретроспективний аналіз причин, особливостей і наслідків основних світових фінансових криз. В роботі також здійснено аналіз останніх фінансових криз в Україні та основних наслідків фінансової кризи 2008-2009 років для світового банківського ринку. В роботі розглянуто традиційні підходи до побудови моделі банківського бізнесу, досліджено тенденції зміни моделей банківського бізнесу в цифровій економіці, розроблено рекомендації щодо оцінювання ефективності моделі банківського бізнесу з позиції її стійкості до кризових явищ.The master’s thesis focuses on research of models of banking business considering the crisis tendencies of the financial market. The paper analyzes the concept of financial crisis, its causes and consequences. A retrospective analysis of the causes, features and consequences of major global financial crises was conducted. Research also provides an analysis of the recent financial crises in Ukraine and the main implications of the 2008-2009 financial crisis for the global banking market. The master’s thesis examines traditional approaches to banking business models, investigates trends in changing banking business models in the digital economy, and develops recommendations for evaluating the effectiveness of the banking business model in terms of its resilience to crisis phenomena.
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Nierdele, Michele Andréa. "Inclusão digital e restrições de acesso à tecnologia: o caso dos terminais de auto-atendimento bancário." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2009. http://hdl.handle.net/10183/16884.
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Investiga a percepção dos usuários sobre a usabilidade do sistema de auto-atendimento bancário. Contextualiza as TIC e a sua utilização no cenário sócio-econômico e cultural da contemporaneidade, alertando para a gravidade do problema da exclusão digital e a importância da usabilidade na promoção da inclusão. Destaca aspectos da sociedade da informação e as transformações ocorridas no cenário mundial em áreas como educação e trabalho. Aborda o problema de forma qualitativa. Como instrumentos de coleta de dados utiliza o levantamento bibliográfico e a entrevista semi-estruturada. Evidencia a pesquisa empírica realizada na Agência Chapecó, da Caixa Econômica Federal, em Chapecó-SC, que além dos usuários do sistema de auto-atendimento bancários, abrange atendentes e representante da instituição financeira. Conclui que os usuários enfrentam problemas na utilização dos referidos equipamentos e as dificuldades percebidas pelos entrevistados indicam a necessidade de melhorias na usabilidade dos terminais, como também, reforçam as considerações sobre os processos de inclusão digital, que devem priorizar muito mais do que a mera disponibilização das Tecnologias da Informação e Comunicação para as pessoas. As conclusões remetem à gravidade do problema da exclusão digital e à necessidade de iniciativas eficazes para combatê-lo.Investigates the perception of users on the usability of the system of self-service banking. Context and use of ICT in socio-economic scenario and the contemporary cultural, warning of the seriousness of the problem of digital exclusion and the importance of usability in promoting inclusion. Highlights aspects of the information society and the changes in the world in areas such as education and work. Addresses the problem in quality. As instruments for data collection using the bibliography and semi-structured interview. Shows the empirical research conducted in the Agency Chapecó, the Caixa Economica Federal in-Chapecó SC, that apart from users of the system of self-service banking, covers attendants and representative of the financial institution. That users face problems in the use of such equipment and the difficulties perceived by the interviewees indicated the need for improvements in usability of the terminal, but also reinforce the considerations on the processes of digital inclusion, which should prioritize more than the mere provision of Information and Communication Technologies for people. The conclusions refer to the seriousness of the problem of digital exclusion and the need for effective initiatives to combat it.
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Stéen, Johanna, and Felicia Olofsson. "Relationskvalitet i en digital kontext : En studie av SME-bankrelationen under Covid-19 pandemin." Thesis, Högskolan Kristianstad, Fakulteten för ekonomi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-22545.
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Utvecklingen av digitaliseringen har resulterat i att pappersbaserade kontanter har effektiviserats till bankkort och internetbetalningar, vilket har möjliggjort att utförandet av bankärende kan göras dygnet runt och varsomhelst. Till följd av utvecklingen har den traditionella fysiska bankrelationen begränsats och övergått till en mer digital relation. Dessutom har den pågående pandemin påskyndat digitaliseringen och skapat ett nytt normalläge för bankverksamheten där en digital relation har blivit allt mer centrerad. Det har resulterat i att digitaliseringen idag inte längre är frivilligt utan ett mer framtvingat beteende. Därav är det viktigt att kvalitén i den digitala relationen tillgodoses för att bankerna ska bibehålla långvariga relationer. För att undersöka kvalitén i den digitala relationen utgår studien från relationskvalitet tillsammans med tre påverkande faktorer såsom engagemang, förtroende och tillfredsställelse. Till skillnad från tidigare forskning kommer studien att tillämpa relationskvalitet i en digital kontext, vilket gör att studien använder en annan form av empiri. Studien har valt att undersöka SME-bankrelationer eftersom de är en stor och viktig kundkrets och det är därför intressant att undersöka hur SME upplever kvalitén i den digitala relationen med banken idag. Studiens metod baseras på en positivistisk filosofi med en deduktiv forskningsansats där befintliga teorier utgör studiens teoretiska referensram. En kvantitativ forskningsmetod har tillämpats för att samla in studiens empiriska data genom en internetenkät. Därefter utfördes en analys av studiens resultat som är baserat på svar från 176 respondenter, där resultatet påvisar att förtroende och tillfredsställelse påverkar kvalitén i den digitala SME-bankrelationen.The development of the digitalization has resulted in a change from paper-based cash to card and internet payments. This change has made it possible to execute bank related activates all hours of the day and can be performed anywhere. As a result, the physical bank relations are limited and replaced by digital solutions. The on-going pandemic has accelerated the digitalization further, where the digital environment is the new normal. As a result, digitalization today is no longer voluntary but instead a more forced behavior. In order for the banks to retain long term customer relationships, it is critical that the quality is fulfilled despite the digital interactions. To investigate the quality of digital relations within banking, this study examines the quality of the relations together with three influential factors: engagement, trust and satisfaction. Unlike earlier research within this field, this study will apply the quality of the relations in a digital context, which results in an alternative empirical focus. The study investigates SME- bank relations since that is a large and important customer group. Therefore, it is of great interest to examine how SME experience the quality of digital solutions within banks. The method of this study is based on a positivistic philosophy with a deductive approach where the theoretical framework is based on previous research. A quantitative research method is applied to collect the empirical data through internet-based surveys. The result of the study was analyzed based on the answer from 176 respondents. The result shows that trust and satisfaction effects the quality of digital relations between banks and SME.
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BRODERICK, MARTIN, and RASMUS PALM. "PSD2 - A Catalyst for the Future of Retail Banking : Banks’ strategies to reach a competitive advantage from PSD2 in Sweden." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-236492.
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The new EU regulation, revised payment services directive (PSD2), will change how the retail banking market works today. It will obligate banks, with the consumer’s consent, to provide access to account information and thus open up the market for new actors. This study aims to provide an understanding of the effects PSD2 will have on the retail banking market in Sweden and how the banks will act to cope with the changes it entails. There is a lack of academic articles on PSD2, and the reports that do exist are to the greater extent published by consultants. Hence, this report seeks to bridge that gap by exploring banks from a strategic point of view, taking a starting point in the theory of competitive advantage and open innovation, in order to analyse different banks’ strategies that they are considering when PSD2 is enforced. This will be a cornerstone for understanding the future development of the Swedish retail banking market. To gain in-depth knowledge about the banks’ strategies to cope with PSD2, a case study has been made where 10 semi-structured interviews have been conducted with 10 different banks operating in Sweden - this represents the greater majority of all banks in the Swedish retail banking market. From the empirical findings in this report, it is clear that very few banks consider that only complying to PSD2 is a good strategic alternative. Instead, most banks see greater business opportunities in PSD2 and from this study it is evident that the market is heading towards an open banking approach. However, the path towards open banking differs between banks. All banks will focus on becoming compliant but due to differences in size, capabilities and resources, the banks try to differentiate themselves through different approaches. Some banks will attempt an open banking approach immediately, while others will start by becoming a producer of services and from there decide whether or not to move into open banking. What has been made crystal clear from the analysis of the empirical findings, is that no banks will start off by becoming a distributor of more advanced customer data to third parties.Den nya EU-regleringen, andra betaltjänstdirektivet (PSD2), kommer att förändra hur bankmarknade fungerar idag. Det kommer att förplikta banker, med konsumentens samtycke, att ge tillgång till kontoinformation och därmed öppna marknaden för nya aktörer. Denna studie syftar till att ge en förståelse för de effekter som PSD2 kommer att ha på bankmarknaden i Sverige och hur bankerna kommer att agera för att klara de förändringar som medförs. Det finns få akademiska artiklar om PSD2, och rapporterna som finns är i större utsträckning publicerad av konsulter. Därför syftar denna rapport till att bidra med en akademisk rapport som utforskar banker från en strategisk synvinkel, med utgångspunkt i teorin om konkurrensfördelar och öppen innovation, för att analysera bankernas strategier för att möta PSD2. Detta kommer att vara grunden för att få en förståelse av den framtida utvecklingen av den svenska bankmarknaden. För att få en djupare förståelse av bankernas strategier för att möta PSD2 har en fallstudie gjorts där 10 halvstrukturerade intervjuer har genomförts med 10 olika banker som är verksamma i Sverige - det motsvarar större delen av marknadsandelen på den svenska bankmarknaden. Från de empiriska resultaten i denna rapport är det uppenbart att väldigt få banker anser att endast följa PSD2 är ett bra strategiskt alternativ. I stället ser de flesta banker större affärsmöjligheter i PSD2 och från denna studie är det uppenbart att marknaden är på väg mot “open banking”. Vägen mot “open banking” skiljer sig mellan bankerna. Alla banker kommer att fokusera på att bli kompatibla men på grund av skillnader i storlek, kapacitet och resurser försöker bankerna skilja sig genom olika metoder. Vissa banker kommer omedelbart att ta sig an “open banking”, medan andra börjar med att bli en producent av tjänster och därmed bestämma huruvida de ska gå in i “open banking” eller inte. Vad som har tydliggjorts från analysen av de empiriska resultaten är att inga banker kommer att börja med att bli distributör av mer avancerade APIer till tredje parter.
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Reggiani, Nicola. "The corpus of Greek medical papyri and digital papyrology." Universitätsbibliothek Leipzig, 2016. http://nbn-resolving.de/urn:nbn:de:bsz:15-qucosa-201726.
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The ongoing project of digitising a corpus of ancient Greek texts on papyrus dealing with medical topics raises some problematic questions involving general issues of digital papyrology. The main electronic resource of papyrological texts, the Papyrological Navigator (papyri.info), has indeed been designed to host documentary items, while the special technical, even literary nature of medical papyri (which include, besides documents related to medicine, also handbooks, school books, and treatises by both known and unknown authors) requires new ways to treat the relevant data (paratextual devices such as diacriticals, punctuation, abbreviatios, layout features). Such issues are currently under discussion by the team charged of the forthcoming Digital Corpus of Literary Papyri (DCLP), but further options need to be taken into consideration in order to develop a fully functional, interactive, dynamic database of ancient technical texts: in particular, this paper will present and discuss the potentialities of a multi-layer linguistic annotation (useful to fulfil the needs of a multifaceted technical language) and of a multitextual digital edition (helpful in consideration of the fragmentary condition of the texts and of their often problematic relationship with the known manuscript tradition).
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Karahanli, Naz Gizem, and Johannes Touma. "Digitalization of the customer experience in banking Use of AI and SSTs in complex/sensitive tasks: pre-collection." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-300899.
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The digital revolution is changing the banking industry, and how banks create value and deliver services to their customers. Customer experience becomes the main pillar of digitally transformed banks through self-service technologies (SSTs) and the use of artificial intelligence (AI); the research focus of this study is to explore the impact of those modern technologies when dealing with sensitive information and emotional encounters in the banking sector. A case study method has been used with an in-depth investigation consisting of both internal and external interviews for Valhalla Bank in Sweden. External interview results presented the debtor’s perspective by laying out the main challenges faced during the repayment process. The study concluded by answering the main research questions and suggesting practical implications for financial institutions. Banks should proactively seek both explicit and latent needs of different customer segments; any customer interaction data has the potential to become the source of optimizing call scheduling, script customization, or customer experience evaluation. Customers expect flexibility to choose between human interaction and self-service technologies. Sensitive topics can be dealt with digital tools when they can provide advanced functionality with maturity to establish trust and security. Lastly, even though the technology is perceived as cold with a lack of empathy, customers are ready to experiment as they are not comfortable nor satisfied with the current interactions. Regardless of the state of the digital journey of a financial institution, customers should be well-informed about technologies while banks prioritize ethical controls to provide transparent relationships in which any type of customer can feel valued.Den digitala revolutionen förändrar banksektorn och hur banker skapar värde och levererar tjänster till sina kunder. Kundupplevelse blir huvudpelaren för digitalt transformerade banker genom självbetjäning tekniker (SST) och användningen av artificiell intelligens (AI). Forskningsfokus för denna studie är att undersöka effekterna av den moderna tekniken när man hanterar känslig information och känslomässiga möten inom banksektorn. En fallstudiemetod har använts med en djupgående undersökning bestående av både interna och externa intervjuer för Valhalla Bank i Sverige. Externa intervjuresultat presenterade gäldenärens perspektiv genom att redogöra för de största utmaningarna under återbetalning processen. E-bank kanaler och lösningar har dominerat kundernas preferenser med en hoppfull syn på att bygga upp förtroende för relativt ny teknik. Studien avslutades med att besvara de viktigaste forskningsfrågorna och föreslå praktiska konsekvenser för finansinstituten. Banker bör proaktivt söka både tydliga och latenta behov för olika kundsegment, samtidigt som deras mest värdefulla tillgång är kundernas digitala fotavtryck. Alla kundinteraktion data har potential att bli källan till att optimera samtals planering, anpassning av skript eller utvärdering av kundupplevelse. Kunder förväntar sig flexibilitet och frihet att välja mellan mänsklig interaktion och självbetjänings teknik. Känsliga ämnen kan hanteras med digitala verktyg när de kan ge avancerad funktionalitet med mognad för att skapa förtroende och säkerhet. Slutligen, även om tekniken upplevs som ”kall” med brist på empati och känslor, särskilt när det gäller komplexa och känsliga uppgifter som skuldfrågor, är kunderna redo att experimentera eftersom de inte är bekväma eller nöjda med de nuvarande mänskliga interaktionerna. Oavsett tillståndet för en finansiell instituts digitala resa bör kunderna vara välinformerade om ny teknik medan bankerna prioriterar etisk kontroll med detaljerade handlingsplaner för att ge en nära och transparent relation där alla typer av kunder kan känna sig värderade och förstådda.
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Näsholm, Johansen Johanna, and Amin Noor Al. "E-loyalty in digital platforms : How do the employees in banks experience their work with customer e-loyalty, individually and in relation to each other?" Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-354624.
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This thesis aims to study how the top management and employees in banks experience their work with customer e-loyalty in digital settings, both individually and in relation to each other. Today's bank customers desire freedom in where they conduct their business and do at the same time require a deeper personal relationship with their bank advisors. The adjustments to balance these two requirements have been a challenge for many banks. While satisfied customers often create loyalty, banks in Sweden have during the recent years experienced decreasing customer satisfaction. The digitalization within the banking sector will continue to have a big impact on the relationship between banks and their customers. By adapting a qualitative approach, the thesis aims to contribute with knowledge of how the top management and employees work with and perceive the impact digitalization has on e-loyalty. The thesis provides academic contributions, such as the insight in how top management and employees in two of Sweden’s biggest banks perceive their work with customer e-loyalty. The second contribution to the literature is a suggestion to development of the 8C model. The practical contribution is what the top management in banks should consider when mediating e-loyalty strategies to employees
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Al-Chalabi, Mustafa, and Lawand Bahram. "The Digital Transformation of the Swedish Banking Industry : A study on the digitalisation of Swedish banks and how it affects their perspective on customer experience." Thesis, Uppsala universitet, Institutionen för informatik och media, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-360164.
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The Swedish banking industry has long been at the forefront when it comes to digital leadership. Currently, this industry is starting to fall behind other industries, and a closer look at the industry reveals that niche banks are having less trouble with adapting new technologies than bigger banks. There are a lot of studies on specific digitalisation areas within banking but nothing comprehensive about the strategies required for digital transformation within the banking industry. As the research area is new, there is little previous research on digital transformation by today’s standards. Therefore, the centralquestion in this thesis is “What do respondents in the Swedish banking industry think that the most important factors of digitalisation for customer experience are and what the consequences of digitalisation might be?” to find out what affects the digital strategies of a sample of Swedish banks. To answer the research question, semi-structured interviews with relevant profiles in the banking industry dealing with digitalisation and strategy at a management level were conducted. The interviews were conducted with five respondents from four different banks. In combination of this research method, the research strategy Case Study was implemented. The results revealed that digitalisation is in high focus amongst all the responding banks, for various reasons. The reasons can be seen as roughly divided into two categories, internal reasons and external reasons. The internal reasons have to do with streamlining current internal processes and creating more available resources for other projects. The external reasons were all towards improving customer experience. To improve customer experience, personalisation of the digital products and services is a key factor. However, personalisation is not without risk, as it may fail to be personalised enough for the banks’ customers if the personalisation is attempted towards a too wide customer segment. Some of the banks are operating 100% digitally, meaning that they do not have any physical bank offices for customers to visit, and thus all their work then becomes in one way or another digital work. The banking and finance industry is continually changing, and legal factors play a significant role. Not only do these legal factors affect how banks work internally, they also affect the competitiveness of the various actors and with it, how much digitalisation can affect. The thesis concludes that digital transformation is heavily influencing the strategies of banks in the Swedish banking industry through customer needs, competition and legal factors.Den svenska banksektorn har länge varit i framkant när det kommer till digitala ledarskap. Dock, så har denna sektor för närvarande börjat halka efter andra branscher, och en närmare titt på branschen visar att nischbanker har mindre utmaningar när det kommer till att anpassa efter ny teknologi än större banker. Det finns många studier om särskilda digitaliseringsområden inom banksektorn men inget omfattande om de strategier som krävs för digital transformation inom banksektorn. Eftersom att forskningsområdet är nytt, så finns det mindre tidigare forskning på digital transformation i dagens benämning. Därför är den centrala frågan i denna avhandling “Vad anser respondenter i den svenska banksektorn att deviktigaste faktorerna för digitalisering för kundupplevelse är och vilka konsekvenserna avdigitalisering kan vara?” för att ta reda på vad som påverkar digitala strategier hos ett urval av svenska banker. För att besvara forskningsfrågan, genomfördes semistrukturerade intervjuer med relevanta profiler inom banksektorn som arbetar med digitalisering och strategi på en ledningsnivå. Intervjuerna var utförda med fem respondenter från fyra olika banker. I kombination med denna forskningsmetod, implementerades forskningsstrategin Fallstudie. Resultaten visade att digitalisering är i fokus bland de responderande bankerna, av olika skäl. Skälen kan ses som grovt indelat i två kategorier, interna skäl och externa skäl. De interna skälen har att göra med att effektivisera nuvarande interna processer och skapa mer tillgängliga resurser för andra projekt. De externa skälen var alla mot kunden, för att i ett eller annat sätt förbättra kundupplevelsen. För att förbättra kundupplevelsen så ligger fokus på personalisering av de digitala produkterna och tjänsterna. Dock har personalisering sina risker. Det kan misslyckas om organisationen försöker personalisera mot en större kundgrupp och därmed inte nå upp den nivå av personalisering som krävs av de olika kundsegmenten. Vissa banker bedrivs 100% digitalt, vilket innebär att de inte har några fysiska bankkontor för kunder att besöka, och därmed är deras arbete på ett sätt eller ett annat sätt digitalt arbete. Bank och finansbranschen förändras ständigt, och juridiska faktorer spelar en betydande roll i denna kontinuerliga förändring. Inte nog med att de juridiska faktorerna påverkar hur banker fungerar internt, så påverkar de även konkurrenskraften hos de olika aktörerna och med det, hur mycket digitaliseringen kan påverka. Studiens slutsats är att digital transformation påverkar kraftigt strategierna hos banker i Sverige genom kundbehov, konkurrens och juridiska faktorer.
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Šimek, David. "Připravenost bank na přechod na digitální bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-264298.
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The focus of this thesis is on the readiness of banks for the transition to digital banking. Its goal is to present current trends that influence development of retail banking, the definition of digital banking and design recommendations for banks for developing the business model based on the analysis of banks competitors, qualitative research with customers, workshop with bank employees and analysis of customers life which will leats to simplification of the life of the customer so that they are ready for the transition to digital banking which will enable them to increase customers loyalty and prevent a decrease in revenues.
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Reichert, Taís Araldi. "Fatores comportamentais e tecnológicos como determinantes na adoção de modelo de relacionamento bancário digital para micro e pequenas empresas." reponame:Repositório Institucional da UCS, 2017. https://repositorio.ucs.br/handle/11338/3449.
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A disponibilização de serviços bancários digitais é crescente, mediante a necessidade de acompanhar a evolução da tecnologia no setor de serviços. No entanto, para o sucesso das estratégias bancárias no fornecimento de serviços e produtos de forma digital, é primordial analisar a aceitação e adoção deste modelo de atendimento por parte de seus usuários. Sendo assim, esta dissertação avaliou a percepção de usuários em relação a adoção de serviços bancários digitais, por meio da investigação de um Modelo de Relacionamento Bancário Digital, proposto para o atendimento de cliente micro e pequenas empresas, selecionados pelo Banco Beta. Diante desta perspectiva, este estudo propôs como objetivo geral analisar as relações existentes entre fatores comportamentais, embasados por meio da teoria UTAUT (Teoria Unificada de Aceitação e Uso da Tecnologia), e fatores tecnológicos, contidos no modelo teórico de TTF (Modelo Ajuste da Tarefa-Tecnologia), como determinantes para a adoção de um modelo de relacionamento bancário digital. Os procedimentos metodológicos consistiram quanto a abordagem do problema, em uma pesquisa quantitativa, de caráter descritivo, adotando-se como estratégia para coleta de dados o método survey, com 156 respondentes. A análise dos dados foi realizada a partir da aplicação das técnicas de estatística multivariada, com a utilização da Modelagem de Equações Estruturais, com o propósito de analisar e compreender as relações propostas no modelo teórico da pesquisa. Para esta pesquisa foram propostos três modelos teóricos, investigando-se individualmente os modelos UTAUT e TTF e posteriormente a unificação dos modelos para uma visão integrada. Para o modelo teórico de TTF, os resultados apontam que as características da tarefa influenciam significativamente e positivamente as características da tecnologia; as características de tecnologia influenciam significativamente e positivamente o ajuste do modelo, o qual por sua vez influencia significativa e positivamente a intenção comportamental. Para o Modelo Teórico de UTUAT foram evidenciadas relações de influência significativas e positivas, da expectativa de desempenho para a intenção comportamental, da expectativa de esforço para antenção comportamental, do hábito para a intenção comportamental e do hábito para o comportamento de uso. Quanto ao Modelo Teórico integrado, as relações de influência significativas e positivas se confirmam da expectativa de desempenho para intenção comportamental, do hábito para a intenção comportamental, das características da tecnologia para o ajuste. Este estudo contribui para o entendimento das percepções de usuários, fornecendo evidências empíricas das relações comportamentais e tecnológicas como determinantes na adoção da tecnologia de serviços bancários digitaisSubmitted by cmquadros@ucs.br (cmquadros@ucs.br) on 2018-02-15T12:56:36Z No. of bitstreams: 1 Dissertacao Taís Araldi Reichert.pdf: 2740581 bytes, checksum: f8e2ac966d25ff89d44d9dc1ab6212a3 (MD5)
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The availability of digital banking services is increasing, with the need to follow the evolution of technology in the service sector. However, for the success of banking strategies in the provision of services and products in digital form, it is essential to analyze the acceptance and adoption of this service model by its users. This dissertation evaluated the perception of users in relation to the adoption of digital banking services, through the investigation of a Digital Banking Relationship Model, offered to micro and small companies, which are customers of Banco Beta. In this perspective, this study proposed as a general objective to analyze the existing relations between behavioral factors, based on the UTAUT theory (Unified Theory of Acceptance and Use of Technology), and technological factors, contained in the theoretical model of TTF ( Task-Technology Model Fit), as determinants for the adoption of a model of digital banking relationship. The methodological procedures consisted of a quantitative research, of a descriptive character, adopting as strategy for data collection the survey method, with 156 respondents. Data analysis was performed using the multivariate statistical techniques, including the Structural Equation Modeling, with the purpose of analyzing and understanding the relationships proposed in the Theoretical Model of the research. For this research three theoretical models were proposed, investigating individually the UTAUT and TTF models and later the unification of both models as an integrated vision. For the theoretical model of TTF, the results show that the characteristics of the task influence significantly and positively the characteristics of the technology; the characteristics of technology significantly and positively influence the adjustment of the model, which in turn influences significantly and positively the behavioral intention. For the UTUAT Theoretical Model, significant and positive influence relationships were evidenced, from performance expectancy to behavioral intention, from expectation of effort to behavioral intention, from habit to behavioral intention and from habit to behavior of use. As for the Integrated Theoretical Model, the positive and significant influence relationships are confirmed from the performance expectancy for behavioral intention, from habit to behavioral intention, from the characteristics of the technology to the adjustment. This study contributes to the understanding of user perceptions, providing empirical evidence of behavioral and technological relations as determinants in the adoption of digital banking technology.
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Carlsson, Josefine, and Linnéa Falk. "Att styra informellt : En studie om hur digitaliseringen påverkar användningen och anpassningen av informella styrmedel inom banksektorn." Thesis, Linköpings universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-166071.
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Bakgrund: Banksektorn befinner sig i en allt mer komplex och föränderlig miljö på grund av digitaliseringen och dess påverkan på samhället. Till följd av den snabbföränderliga marknaden ställs det krav på hur bankerna internt organiserar sin verksamhet för att fortsatt vara konkurrenskraftiga. De mindre formella styrmedlen har därav fått en mer central roll då de är mer flexibla och lättare kan anpassas utifrån den snabbrörliga omgivningen. För att uppnå en flexibilitet som gör att bankerna kan följa med i förändringen krävs därför en förståelse för de informella styrmedlens anpassning och användning i samband med den digitala förändringen. Syfte: Studien syftar till att bidra med en ökad förståelse för hur de informella styrmedlen kan användas och anpassas för att möta förändringsprocesser såsom digitalisering. Metod: Studien är en kvalitativ tvärsnittsstudie där fyra banker studerats. Empirin består av sju semistrukturerade intervjuer med medarbetare på svenska banker. Vidare utgår studien från ett hermeneutistiskt perspektiv med en abduktiv ansats. Slutsats: Studien visar att bankerna använder sig av de informella styrmedlen kommunikation, kompetensutveckling och organisationskultur för att möta den digitala förändringen. Samtliga styrmedel har påverkats och anpassats på olika sätt för att möta digitaliseringen. Kommunikationen har blivit mer frekvent och lättillgänglig, kompetensutvecklingen sker mer digitalt och slutligen har företagskulturen behövt anamma en mer tillitsbaserad och öppen kultur. För att bankerna ska kunna möta den digitala förändringen på marknaden påvisar studien vikten av att kommunikation, kompetensutveckling och organisationskulturen används för att skapa ett lärandeklimat som främjar förändring. Slutligen måste de informella styrmedlen samspela för att skapa rätt förutsättningar för bankerna att möta den digitala utvecklingen och därav är ledarens roll av betydelse för ett integrerat användande av styrmedlen.Background: The banking sector is acting in an increasingly complex and changing environment due to digitalization. Because of the rapidly changing market, requirements have been set for how the banks internally organize their operations in order to remain competitive. Informal control systems have therefore become more central as they are more flexible and more easily to adapt to the fast-moving environment. In order to achieve a flexibility that allows the banks to stay competitive, an understanding of the adaptation and use of the informal control systems in connection with the digital change is required. Aim: The study aims to contribute to an increased understanding of how the informal control systems can be used and adapted to meet change such as digitalization. Methodology: The study uses a qualitative cross-sectional study design where four banks have been studied. The empirical data consists of seven semi structured interviews with employees of Swedish banks. Furthermore, the study is based on a hermeneutic philosophical standpoint with an abductive approach. Conclusion: The study shows that the banks use communication, competence development and organizational culture to meet the digital change. The informal control systems have been influenced and adapted in different ways to meet the digitalization. Communication has become more frequent and easily accessible, the competence development is more digital, and the organizational culture has had to adopt a more trustbased and open culture. In order for the banks to be able to meet the digital change, the study shows the importance of using communication, competence development and organizational culture to create a learning climate that promotes change. Finally, the informal control systems must interact with each other in order to create the right conditions for the banks to meet the digital development. Hence the role of the leader is important to make sure that the control systems are used in an integrated way
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Finnhult, Emma, and Emelie Fernholm. "Storbankernas digitala kundrelationer : - en kvalitativ studie om digitaliseringens påverkan på kundrelationer inom banksektorn." Thesis, Högskolan i Halmstad, Akademin för företagande, innovation och hållbarhet, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-44683.
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Title: The major banks digital customer relationships - a qualitative study of the impact of digitalization on customer relationships in the banking sector. Author: Emelie Fernholm and Emma Finnhult. Keywords: Swedish banks, digitalization in the banking sector, digital customer relationships. Aim: The aim of this study is to describe how banking clerks experience the impact of digitalization on customer relationships. Furthermore, the study aims to investigate whether the older generation has been affected harder by increased digitalization in the banking sector comparison with the younger generation and whether video chats is a successful complement to other digital channels to include more senses in customer conversation. Theoretical reference frame: The theoretical frame of reference consists of the subject areas digitalization, digitalization in the banking sector, generations, customer relationships, customer loyalty and asymmetric information flows. The theory further presents several models. These models describe the impact of digitalization on the business, various relationship programs to create a good relationship with the customer and an alternative database for evaluating customer relationships. The theory chapter ends with an “understanding model” that connects the entire theoretical frame of reference. Method: This study is based on a qualitative research method. Eight bank clerks have been interviewed from Sweden's major banks in a small municipality, a medium-sized municipality and a large municipality. The answers have been analyzed with the help of an intra- and interval analysis. Conclusion: The theoretical frame of reference and the empirical material have finally resulted in four conclusions. The study shows that bank clerks customer relationships have been affected more positive than negative as a result of increased digitalization, that long-term customer relations have not become less important in Sweden's major banks as a result of increased digitalization, the problem that the older generation is affected by digitalization is explained much worse in the theoretical frame of reference compared to what bank clerks believe and video chats is a good complement to other digital channels to include more senses in the customer conversation.
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Добровольська, Є. В. "Банківський бізнес в умовах цифровізації." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Dobrovolska.pdf.
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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі розглянуті теоретичні основи цифровізації банківського бізнесу. Розкрито сутність та ознаки цифровізації. Охарактеризовано види цифрових технологій сучасного банку. Визначено основи законодавчого регулювання цифрової трансформації банків. Проаналізовано практичні аспекти цифровізації в сучасному банківському бізнесі. Визначено вплив цифровізації на банківську діяльність в Україні. Досліджено рівень розвитку цифрових технологій в банківській системі України. Проаналізовано діяльність АТ «Альфа-Банк» та досліджено рівень впровадження цифрових технологій банку. Наведено напрямки розвитку цифрових технологій на ринку банківських послуг. Проаналізовано зарубіжний досвід використання цифрових технологій. Досліджено перспективи впровадження Нової стратегії НБУ.
The theoretical bases of digitalization of banking business are considered in the work. The essence and signs of digitalization are revealed. The types of digital technologies of a modern bank are characterized. The basics of legislative regulation of digital transformation of banks are determined. The practical aspects of digitalization in the modern banking business are analyzed. The influence of digitalization on banking activity in Ukraine is determined. The level of development of digital technologies in the banking system of Ukraine is investigated. The activity of JSC "Alfa-Bank" is analyzed and the level of introduction of digital technologies of the bank is investigated. The directions of development of digital technologies in the market of banking services are given. Foreign experience in the use of digital technologies is analyzed. Prospects for the implementation of the New NBU Strategy have been studied.
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Hultman, Anna, and Mikaela Zarki. "Do you mind talking to a chatbot? : A quantitative study about how chatbots affect the digital customer experience within Swedish banks." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-104863.
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This bachelor's degree thesis aims to increase the understanding of how chatbots affect the digital customer experience within Swedish banks. Furthermore, this study examines how bank chatbot's technical quality affects the digital customer experience. In this thesis, the authors have chosen to use a deductive approach and a quantitative research strategy. Moreover, the authors used the Statistical Package for Social Sciences (SPSS) program to process the collected quantitative data from the questionnaires. The thesis empirical findings were analyzed and discussed in correlation to previous research to strengthen the research results. The thesis empirical findings demonstrate that 42.9% of the respondents agreed with the statement; My bank's chatbot technology quality improved my customer satisfaction. Moreover, the correlation analysis showed that customer satisfaction and customer satisfaction linked to technical quality had a strong positive correlation between the concepts. Swedish banks could use the information to develop further their chatbots' technical quality, which would reduce customer service costs and influence how customers visit the bank. The thesis research results can also be applied and used by other industries that want to improve or implement chatbots in their digital business.
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Redlinghuis, André Jacques. "Information protection in the digital banking environment." Thesis, 2012. http://hdl.handle.net/10210/5380.
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M.A.The evolution of the Internet has led to the establishment of various value-adding products and services such as Internet banking (IB). Internet banking has changed the formal banking landscape forever. Some may argue that Internet banking has positively affected the lives of many, through providing services in a more convenient, efficient and effective manner, 365 days a year. However, the growth of the Internet has lead to the increase of various Information Technology (IT) problems and challenges. Today, individuals and organisations are faced with an increasing number of attacks via computer and Internet viruses, phishing scams and Internet hackers. Individuals and organisations must place greater emphasis on ensuring that their financial well-being is protected. The investment in adequate software and hardware has become critical to conduct financial transactions securely via the Internet. The level of security awareness should also be increased and established at various levels through comprehensive educational programmes. Extensive Internet banking awareness campaigns have been launched, but the level to which these campaigns are successful is uncertain. The main focus of this dissertation is to understand Internet banking customers’ perceptions on information protection when using Internet banking services and products, as various factors influence the perceptions of trust with regards to Internet banking. Trust is formed through a variety of factors from the influence of others on our own beliefs and values, to the experiences gained by using specific technology or processes over a particular period of time. An in-depth literature review forms the basic framework for the dissertation and is followed by an empirical component. The main goal of the literature review is to provide a solid theoretical framework and basis from which to conduct the empirical research. Chapters 2 to 4 delve into the evolution and development of the Internet and provide a perspective on the South African banking landscape. The various challenges the Internet banking domain is faced with, is explored, and the various opportunities that exist are extensively discussed. Trust, the major factor influencing the adoption of Internet banking services and products, is explored, and the factors that shape and diminish trust are discussed. The empirical study consisted of a close-ended questionnaire that was completed by a sample of University of Johannesburg (UJ) alumni. The study included 138 individuals who completed the close-ended questionnaire and the results were analysed by Statistical Consultation Services (StatCon), a statistical research unit within UJ. The results indicate that more should be done to ensure that individuals and businesses are well-versed on issues pertaining to Internet banking security and safety. The results further highlight that the quality of most of the individuals’ relationships with their formal bank branch diminished due to Internet banking. An interesting finding was that 80.7% of the respondents indicated that they would make use of Internet banking services and products, even though they are aware of fraudulent activities that take place via this Internet medium. The research findings provide financial institutions with valuable guidelines on how to plan and implement effective and efficient Internet banking education and awareness strategies.