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[{"key": "dc.contributor.advisor", "value": "Ojala, Arto", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Kaartinen, Jaakko", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2018-02-20T03:44:27Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2018-02-20T03:44:27Z", "language": null, "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:1857978", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/57120", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Pankeilla on edess\u00e4\u00e4n uusi liiketoimintaymp\u00e4rist\u00f6, kun toinen maksupalvelu-direktiivi astuu voimaan tammikuussa 2018. Direktiivi velvoittaa pankkeja avaamaan ohjelmointirajapinnat, joiden kautta yritykset voivat pyyt\u00e4\u00e4 asiakkaan tilitietoja ja suorittaa maksuja asiakkaan tileilt\u00e4. N\u00e4in ollen pankkien yksinoikeus maksunv\u00e4litykseen on poistumassa ja samalle markkinalle ovat tulossa niin monikansalliset teknologiakonsernit, kuin uudet ja ketter\u00e4t finanssiteknologia-yritykset. Uusi digitaalinen toimintaymp\u00e4rist\u00f6 on haaste pankkien erilaiseen toimintaymp\u00e4rist\u00f6\u00f6n suunnitelluille tietoj\u00e4rjestelmille ja organisaatiorakenteille.\nT\u00e4ss\u00e4 tutkimuksessa tarkoituksena oli selvitt\u00e4\u00e4 miten tietoj\u00e4rjestelmien kyvykkyydet tukevat pankkeja niiden valmistautuessa toisen maksupalveludirektiivin muuttamaan toimintaymp\u00e4rist\u00f6\u00f6n. Tutkimuksessa tarkasteltiin, mit\u00e4 tietoj\u00e4rjestelmien kyvykkyyksi\u00e4 pankit k\u00e4ytt\u00e4v\u00e4t valmistautuessa muutokseen ja millaisia niihin liittyvi\u00e4 vahvuuksia ja heikkouksia pankeilla on uuteen toimintaymp\u00e4rist\u00f6\u00f6n siirrytt\u00e4ess\u00e4. Tutkimuskysymys esitettiin muodossa: kuinka pankkien tietoj\u00e4rjestelmien kyvykkyyksien nykytila tukee pankkeja niiden valmistautuessa toiseen maksupalveludirektiiviin? Kvalitatiivisen tutkimuksen aineiston ker\u00e4\u00e4minen toteutettiin puolistrukturoituina teemahaastatteluina ja analysoitiin teemoittelemalla. Tutkimusaineisto koostui yhdeks\u00e4st\u00e4 haastattelusta. Haastateltavat ty\u00f6skentelev\u00e4t esimies- tai asiantuntija-teht\u00e4v\u00e4ss\u00e4 pankeissa tai pankeille tietoj\u00e4rjestelm\u00e4kehityst\u00e4 tekeviss\u00e4 konsulttiyrityksiss\u00e4.\nT\u00e4ss\u00e4 tutkimuksessa esitettiin tietoj\u00e4rjestelmien kyvykkyyksien luokittelu, jota k\u00e4ytettiin pankkien tietoj\u00e4rjestelmien kyvykkyyksi\u00e4 tutkittaessa. My\u00f6s pankkien vahvuudet, heikkoudet ja kehitysehdotukset esitettiin tietoj\u00e4rjestelmien kyvykkyyksien n\u00e4k\u00f6kulmasta tarkasteltuna. T\u00e4m\u00e4n tutkimuksen tuloksien mukaan pankkien kyvykkyydet tiedostaa uuden toimintaymp\u00e4rist\u00f6n mukanaan tuomat haasteet ja tarpeet muutoksille tukevat muutokseen valmistautuessa. Pankkien rahalliset ja muut aineelliset resurssit muokata kyvykkyyksi\u00e4\u00e4n vaaditulle tasolle ovat hyv\u00e4t. Pankeilla on kuitenkin haasteita tietoj\u00e4rjestelmien kyvykkyyksien tasolla tietoj\u00e4rjestelmien infrastruktuurin toimimisessa, organisaatioiden toiminnassa, viestinn\u00e4ss\u00e4 ja uusien toimintatapojen omaksumisessa.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Banks are facing a new business environment, when second payments services directive will enter into force in January 2018. Banks are obligated to open application programming interfaces, which are used for other companies with licenses to ask information of customers\u2019 bank account and do account transactions. Banks are about to lose their exclusive rights in payment transactions, when big and well-known technology companies and agile finance technology companies will enter to the market. New digital environment is a challenge for banks\u2019 information systems and organizational structures, which have been designed for different operational environment.\nThis study explored how capabilities of information systems\u2019 are supporting banks adaption to new operational environment changed by second payment services directive. The purpose of the research was to find out which information systems\u2019 capabilities are used by banks and which are banks\u2019 capabilities\u2019 strengths and weaknesses regarding new operational environment. The research question was thus the following: how capabilities of banks\u2019 information systems are supporting banks to adapt themselves to second payment services directive? The material of this qualitative research was collected through semi-structured theme interviews and analyzed using theming method. The research material, consisting 9 interviews, was gathered from employees who are working as a manager or expert position in banks or finance technology consulting companies.\nThis study introduced a classification of information systems\u2019 capabilities, which can be used for research of banks\u2019 information systems. Banks\u2019 strengths, weaknesses and development suggestions are introduced from the perspective of information systems\u2019 capabilities. The results of the study indicated that banks\u2019 capabilities to recognize changes and challenges brought by new operational environment are in a good level. Banks have also notable financial and other tangible resources to renew capabilities. Banks\u2019 transformations regarding information systems\u2019 capabilities are still in an early phases and challenges can be found in information systems\u2019 infrastructure, organizational operations, communications and absorbing new working methods.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Jaakko Kaartinen (jamakaar) on 2018-02-20 03:44:27.167122. 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 2018-02-20T03:44:27Z\nNo. of bitstreams: 2\nURN:NBN:fi:jyu-201802201538.pdf: 1160754 bytes, checksum: e01184babd93ba94f7e89ee1db4f270a (MD5)\nlicense.html: 4851 bytes, checksum: 0e669f43f83fd80d9982fa8b46714e88 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2018-02-20T03:44:27Z (GMT). No. of bitstreams: 2\nURN:NBN:fi:jyu-201802201538.pdf: 1160754 bytes, checksum: e01184babd93ba94f7e89ee1db4f270a (MD5)\nlicense.html: 4851 bytes, checksum: 0e669f43f83fd80d9982fa8b46714e88 (MD5)\n Previous issue date: 2017", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (80 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": "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": "PSD2", "language": null, "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Tietoj\u00e4rjestelmien kyvykkyydet pankkien valmistautuessa toiseen maksupalveludirektiiviin", "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-201802201538", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "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": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.date.updated", "value": "2018-02-20T03:44:28Z", "language": null, "element": "date", "qualifier": "updated", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": null, "element": "contractresearch", "qualifier": "funding", "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": "601", "language": null, "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankkipalvelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "tietoj\u00e4rjestelm\u00e4t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "resurssit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "kilpailukyky", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "dynaamiset kyvykkyydet", "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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