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[{"key": "dc.contributor.advisor", "value": "Pellinen, Jukka.", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Set\u00e4l\u00e4, Kalle", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2017-02-17T10:45:13Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2017-02-17T10:45:13Z", "language": "", "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2017", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.other", "value": "oai:jykdok.linneanet.fi:1673627", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/53061", "language": "", "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "In the aftermath of the global financial crisis, the funding ability of banks has declined resulting\r\nin a financial void for riskier enterprises, such as startups and early-stage companies. New financial\r\nservice providers have emerged in response to the capital deficiency. A particularly\r\nprominent incarnation of alternative finance is crowdfunding, where the funding is gathered\r\ndirectly from the market, from several individuals, who invest relatively small sums to compound\r\nthe target amount. Financial institutions are contemplating the use of crowdfunding, not\r\nonly for its business implications but also as a preparation for the potential threats it may impose\r\non the traditional finance industry.\r\nThis thesis sets out to explore the potential use of crowdfunding in the banking industry by examining\r\nthe key motivations of banks to enter the novel industry. First, the thesis aspires to determine\r\nwhich of the financial instruments, debt, equity or donations should a bank construct its\r\ncrowdfunding mechanism around and secondly, determine if a bank should enter the market\r\nthrough an arms-length collaboration, by building a platform internally or by setting up an independent\r\nsubsidiary. Additionally, banks\u2019 motivations and attitudes towards novel financial\r\ntechnologies and the development of the industry are scrutinized.\r\nThe research was conducted as a qualitative field research, where the primary data was collected\r\nfrom seven interviews. The interviewees are banking professionals working for banks in Finland,\r\nGermany, Netherlands and Switzerland. Additionally, a ministerial adviser, whose expertise\r\nencompasses the regulative issues of crowdfunding, was interviewed. The secondary data\r\nfor this research consists of existing crowdfunding research and articles.\r\nThe empirical analysis indicates that crowdfunding does not currently represent the key focus\r\nfor banks, but is rather seen as an adjustment to digitalization and as a means of elevating their\r\nimage. Lending-based crowdfunding instruments closely resemble banks\u2019 current offerings and\r\ncould be more easily implemented than their equity counterparts. On the other hand, equitybased\r\ncrowdfunding could broaden banks\u2019 current customer base and extend investors\u2019 investment\r\nopportunities. However, facilitation of equity crowdfunding is not amongst banks\u2019 core\r\ncompetences and would likely require banks to obtain vast external capabilities. The analysis\r\nshows that setting up a subsidiary for crowdfunding could provide the lightest regulatory environment\r\nfor Finnish banks, while collaborating with an existing crowdfunding platform could\r\nfacilitate the easiest entrance to the crowdfunding market.", "language": "", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Kalle Set\u00e4l\u00e4 (kataseta) on 2017-02-17 10:45:13.436165. Form: Pro gradu -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake). JyX data: [jyx_publishing-allowed (fi) =True]", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2017-02-17T10:45:13Z\r\nNo. of bitstreams: 2\r\nURN:NBN:fi:jyu-201702171470.pdf: 1053008 bytes, checksum: c1e25063caa40e794c031ccb4f85c96e (MD5)\r\nlicense.html: 4822 bytes, checksum: fd7d27aa3e5af16450b61229fd7200df (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2017-02-17T10:45:13Z (GMT). No. of bitstreams: 2\r\nURN:NBN:fi:jyu-201702171470.pdf: 1053008 bytes, checksum: c1e25063caa40e794c031ccb4f85c96e (MD5)\r\nlicense.html: 4822 bytes, checksum: fd7d27aa3e5af16450b61229fd7200df (MD5)\r\n Previous issue date: 2017", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (66 sivua)", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.title", "value": "Crowdfunding in the banking industry : adjusting to a digital era", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201702171470", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "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": "Laskentatoimi", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Accounting", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.date.updated", "value": "2017-02-17T10:45:14Z", "language": "", "element": "date", "qualifier": "updated", "schema": "dc"}, {"key": "yvv.contractresearch.collaborator", "value": "finance", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "5000", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "yvv.contractresearch.initiative", "value": "student", "language": "", "element": "contractresearch", "qualifier": "initiative", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": "fi", "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "20421", "language": null, "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankkiala", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "joukkorahoitus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "digitalisaatio", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoitus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "v\u00e4litys", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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