政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/136443

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/136443

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政大機構典藏 > 商學院 > 國際經營管理英語碩士學程IMBA > 學位論文 > Item 140.119/136443

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题名:	數位化銀行策略之比較分析 A Comparative Analysis of Digital Banking Strategy
作者:	孔康迪 Krone, Konstantin
贡献者:	尚孝純 Shang, Shari 孔康迪 Konstantin Krone
关键词:	數位銀行金融科技現任的創新策略成功因素 Digital Banking FinTech Incumbent Innovation Strategy Success Factor
日期:	2021
上传时间:	2021-08-04 15:07:15 (UTC+8)
摘要:	This thesis explores the topic of digital banking strategies with focus on Digital Native Enterprises and traditional banks. It compares innovation strategies, success factors, and elaborates on their similarities and differences. Existing literature on the topic is examined in the literature review to identify typical innovation strategies and critical success factors. Based on that, a comparison framework is developed, it consists of the following six dimensions: customer centricity, corporate structure, innovation, compliance, corporate culture, and resources. Also, key challenges of both types of companies are taken into account. In the next step, a comparative case study is conducted using the self-developed framework. The digital banks Fidor Bank AG from Germany and Richart (belongs to the Taiwanese Taishin International Bank) serve as exemplary cases. Subsequently, both cases are applied to the comparison framework. The comparison sheds light on specific similarities, differences, challenges, and critical success factors. Finally, managerial implications are suggested for Digital Native Enterprises as well as traditional banks that are enhancing their digital banking innovation efforts.
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Fintech Service Platforms and Value Co-Creation, 7–14. Chang, A. (Ed.). (2020, April). Open Banking系列 \| 德國Fidor Bank的Open Banking服務模式. Pocket Money. https://pocketmoney.tw/fidor-bank-open-banking/ Dermine, J. (2016). Digital banking and market disruption: a sense of déjà vu? Financial Stability Review, 20, 1–8. https://faculty.insead.edu/jean-dermine/documents/BanquedeFrance-DigitalBanking-Proof-2016.pdf Digital Innovation and Transformation. (2015, September 13). Fidor – Digital winner in the banking industry? https://digital.hbs.edu/platform-digit/submission/fidor-digital-winner-in-the-banking-industry/ Fidor Bank AG. (2019, March 4). 10 Jahre Banklizenz Fidor. https://www.fidor.de/documents/banking/10%20Jahre%20Banklizenz%20Fidor.pdf Fidor Bank AG. (2021). Fidor. https://www.fidor.de/ Financial Stability Board. (2017). FinTech. https://www.fsb.org/work-of-the-fsb/financial-innovation-and-structural-change/fintech/ Gozman, D., Liebenau, J., & Mangan, J. (2018). The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT’s Innotribe Competition. Journal of Management Information Systems, 35(1), 145–179. Hotz-Hart, B. (2020, April). Innovationsverhalten der Banken am Beispiel FinTech. University of Zurich. https://www.researchgate.net/publication/340341434_Innovationsverhalten_der_Banken_am_Beispiel_FinTech i-Buzz Research. (2020, February 4). 2019年Q4數位網銀口碑報告：純網銀將加入戰局，活存優利、APP穩定度與功能性為決勝關鍵｜品牌口碑排行. https://www.i-buzz.com.tw/brandranking/article_page/?id=NTY= Illi, S., & Lichtenthaler, U. (2017). Das Ende des traditionellen Bankwesens? Hoffentlich! In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 21–36). Springer Gabler. IOSCO. (2017, February). IOSCO Research Report on Financial Technologies (Fintech). International Organization of Securities Commissions. https://www.iosco.org/library/pubdocs/pdf/IOSCOPD554.pdf Nicoletti, B. (2017). The Future of Fintech - Integrating Finance and Technology in Financial Services. Palgrave Macmillan. Rafat, S., Sonnenberg, Y., & Krabs, M.-H. (2017). Design 4 Change - Wie Finanzdienstleister agile Innovationsmethoden und neue Managementparadigmen anwenden. In Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft (pp. 59–90). Springer Gabler. Ramaswamy, V., & Ozcan, K. (2018). What is co-creation? An interactional creation framework and its implications for value creation. Journal of Business Research, 84, 196–205. Richart. (2021). Richart Homepage. Richart by Taishin Bank. https://richart.tw/TSDIB_RichartWeb/RC00/RC000000 Rosen, M., Ng, S., Pucciarelli, J., Parker, R., Findling, S., Versace, M., Hand, L., Prouty, K., Segal, R., Kolding, M., & Anderson, C. (2017, November). How the Digital-Native Enterprise Is Winning the Future, Now. IDC Perspective. https://www.idc.com/getdoc.jsp?containerId=US43195117 Rossi, S. (2017, September). Idee per il futuro del sistema finanziario italiano. Adolfo Beria di Argentine. https://www.bancaditalia.it/pubblicazioni/interventi-direttorio/int-dir-2017/Rossi_Courmayeur_23092017.pdf Schena, C., Tanda, A., Arlotta, C., & Potenza, G. (2018). The development of FinTech. Quaderni FinTech, 1, 1–108. Schleussner, A. R. (2017). FinTech und Regulierung - Katalysator oder Hemmstoff? In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 357–366). Springer Gabler. Shilling, M., & Celner, A. (2020). 2021 Banking and Capital Markets Outlook. Deloitte. https://www2.deloitte.com/de/de/pages/financial-services/articles/banking-industry-outlook.html Smolinski, R., & Gerdes, M. (2017). Mit ganzheitlichem Innovationsmanagement zur Finanzbranche der Zukunft. In Innovationen und Innovationsmanagement in der Finanzbranche (pp. 37–58). Springer Gabler. Still, K., Huhtala, T., & Saraniemi, S. (2016, December). FinTech as business and innovation ecosystems. The ISPIM Innovation Summit, Kuala Lumpur, Malaysia. Taishin Bank. (2021a). Brief Introduction to The Bank. Taishin International Bank. https://www.taishinbank.com.tw/TSB/en/about-us/brief-introduction-to-the-bank/ Taishin Bank. (2021b). Taishin International Bank - 個人金融. Taishin International Bank. https://www.taishinbank.com.tw/TSB/personal/ Vogt, M. (2016, June 28). Fidor Bank – Die Bank der Zukunft? Management Circle. https://www.management-circle.de/blog/fidor-bank-die-bank-der-zukunft/ Watt, M. (2020, July 22). How digital natives are influencing traditional organizational design. Ernst & Young. https://www.ey.com/en_gl/workforce/how-digital-natives-are-influencing-traditional-organizational-design
描述:	碩士國立政治大學國際經營管理英語碩士學位學程(IMBA) 109933052
資料來源:	http://thesis.lib.nccu.edu.tw/record/#G0109933052
数据类型:	thesis
DOI:	10.6814/NCCU202101071
显示于类别:	[國際經營管理英語碩士學程IMBA] 學位論文

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