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[{"key": "dc.contributor.author", "value": "Sassali, Pertti", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2011-03-04T07:30:46Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2011-03-04T07:30:46Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2011", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/26632", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Sassali, Pertti Joonas\r\nMikromaksujen soveltuminen digitaalisten tuotteiden markkinoille\r\nJyv\u00e4skyl\u00e4: Jyv\u00e4skyl\u00e4n yliopisto, 2010, 33 s.\r\nTietoj\u00e4rjestelm\u00e4tiede, kandidaatintutkielma\r\nOhjaaja: Salo, Markus\r\nDigitaalisten tuotteiden markkinat kasvavat jatkuvasti, ja markkinoilla on tarve\r\nuudenlaisille ansainta- ja hinnoittelumalleille. N\u00e4ist\u00e4 yksi perustuu mikromaksuille,\r\njotka tarkoittavat elektronisesti suoritettavia maksuja, joiden arvo on v\u00e4h\u00e4inen\r\nvaihdellen senttien murto-osista muutamiin euroihin. Mikromaksuj\u00e4rjestelmien\r\nsuurin haaste on suuret transaktiokustannukset, jotka ilmenev\u00e4t korkeina\r\nmuun muassa luottokorttipohjaisissa maksuj\u00e4rjestelmiss\u00e4. Muita haasteita\r\novat muun muassa j\u00e4rjestelm\u00e4n verkostovaikutukset, k\u00e4ytt\u00e4misen yksinkertaisuus\r\nja k\u00e4ytt\u00e4jien yksityisyys.\r\nT\u00e4m\u00e4n tutkielman tarkoituksena on tarkastella mikromaksamisen soveltuvuutta\r\ndigitaalisten tuotteiden markkinoille. Erityistarkastelussa ovat sis\u00e4lt\u00f6pohjaiset,\r\ndigitaaliset sanomalehdet, joiden liiketoiminta, ja koko sanomalehtitalous,\r\non ollut vaikeuksissa digitalisoitumisen ja online-mainostulojen laskemisen\r\nmy\u00f6t\u00e4. Erityisesti pienten ja keskisuurten sanomalehtien on vaikea pit\u00e4\u00e4\r\nyll\u00e4 riitt\u00e4v\u00e4\u00e4 tulovirtaa useimpien Internet-asiakkaiden lukiessa artikkeleita\r\nilmaiseksi. Digitaalisten tuotteiden markkinoilla kilpailu perustuu tuotteiden\r\nhintojen sijaan asiakkaiden maksuhalukkuuteen, johon vaikuttamiseen sis\u00e4ll\u00f6n\r\ntuottajien ja myyjien on keskitytt\u00e4v\u00e4.\r\nTutkimusmenetelm\u00e4n\u00e4 on k\u00e4ytetty kirjallisuuskatsausta, jossa on tarkasteltu\r\nja vertailtu p\u00e4\u00e4asiassa akateemista aiheeseen liittyv\u00e4\u00e4 kirjallisuutta sek\u00e4\r\naihetta k\u00e4sittelevi\u00e4 Internet-l\u00e4hteit\u00e4. Tutkielmassa todetaan keskeisimp\u00e4n\u00e4 tuloksena,\r\nett\u00e4 transaktiokustannukset ovat ongelma erityisesti pienille digitaalisten\r\ntuotteiden myyjille, mutta niit\u00e4 on ainakin tulevaisuudessa mahdollista pienent\u00e4\u00e4\r\nkeskittym\u00e4ll\u00e4 mikromaksuj\u00e4rjestelmien infrastruktuurin hiomiseen ja\r\nv\u00e4litt\u00e4j\u00e4n teht\u00e4vien siirt\u00e4miseen myyj\u00e4lle ja asiakkaalle. Mikromaksuj\u00e4rjestelmien\r\nk\u00e4ytett\u00e4vyytt\u00e4 ja n\u00e4kym\u00e4tt\u00f6myytt\u00e4 voidaan kehitt\u00e4\u00e4 esimerkiksi integroimalla\r\nj\u00e4rjestelm\u00e4t mobiililaitteisiin ja sosiaaliseen mediaan. Sosiaalisten verkostojen\r\nsuosittelumekanismit ja mikroansaitseminen auttavat sanomalehti\u00e4\r\nmuuttamaan liiketoimintaansa sis\u00e4lt\u00f6perusteisen maksamisen suuntaan yhdess\u00e4\r\npaikallisen fokuksen ja toimivan mikromaksuj\u00e4rjestelm\u00e4n avulla.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Seija Paananen (sepaanan@jyu.fi) on 2011-03-04T05:41:12Z\nNo. of bitstreams: 1\nPertti.Sassali.pdf: 301716 bytes, checksum: b67a78572e7b79fc9fc31c34fba8dbf3 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Approved for entry into archive by Marja-Leena Harjuniemi(mharjuni@jyu.fi) on 2011-03-04T07:30:46Z (GMT) No. of bitstreams: 1\nPertti.Sassali.pdf: 301716 bytes, checksum: b67a78572e7b79fc9fc31c34fba8dbf3 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2011-03-04T07:30:46Z (GMT). No. of bitstreams: 1\nPertti.Sassali.pdf: 301716 bytes, checksum: b67a78572e7b79fc9fc31c34fba8dbf3 (MD5)\n Previous issue date: 2011", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "digitaaliset tuotteet", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "maksuj\u00e4rjestelm\u00e4t", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "mikromaksut", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "liiketoimintamallit", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "s\u00e4hk\u00f6iset julkaisut", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Mikromaksujen soveltuminen digitaalisten tuotteiden markkinoille", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201103041853", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.dcmitype", "value": "Text", "language": "en", "element": "type", "qualifier": "dcmitype", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatintutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_7a1f", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "restrictedAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "bachelorThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "This material has a restricted access due to copyright reasons.", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Luettavissa tekij\u00e4noikeudellisista syist\u00e4 vain Jyv\u00e4skyl\u00e4n yliopiston Tietojenk\u00e4sittelytieteiden laitoksella.", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}]
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