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[{"key": "dc.contributor.advisor", "value": "Tyrv\u00e4inen, Pasi", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Holm, Timo", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2018-09-03T06:16:19Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2018-09-03T06:16:19Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2018", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/59414", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Teko\u00e4ly on yksi digitalisaation teknologioista, jonka tuottamia mullistavia muutoksia yhteiskuntaan on verrattu maatalouden koneellistumiseen. Muutokset ulottuvat my\u00f6s yritysten liiketoimintaan ja yritysten tarjoamiin palveluihin. Yritysten palveluiden muutoksia tehd\u00e4\u00e4n yleens\u00e4 vain saatavien hy\u00f6tyjen perusteella, jolloin teknologian soveltuvuus palveluun on oltava perusteltavissa esimerkiksi tuottavuushy\u00f6tyjen perusteella. Finanssiala ja erityisesti pankkiala on yhteiskunnallisesti merkitt\u00e4v\u00e4 ala, joka mahdollistaa yritysten ja kuluttajien rahan k\u00e4yt\u00f6n. Pankit tarjoavat kuluttajille peruspalveluita, joita ovat lainaaminen, s\u00e4\u00e4st\u00e4minen, sijoittaminen ja maksaminen. T\u00e4ss\u00e4 tietoj\u00e4rjestelm\u00e4tieteen tutkimuksessa tutkittiin teknologian soveltuvuutta kohdealueeseen eli tarkemmin teko\u00e4lyn soveltuvuutta v\u00e4hitt\u00e4ispankkipalveluihin. Tutkimus oli tapaustutkimus, jonka toimeksiantajana toimi finanssialan IT-palvelutoimittaja. Tapauksen kohteena toimi IT-palveluyrityksen asiakaspankki, joka edusti tyypillist\u00e4 kotimaista pient\u00e4 pankkia. Tutkimuksen tavoitteena selvitt\u00e4\u00e4 teko\u00e4ly k\u00e4sitteen\u00e4, sen aiempi k\u00e4ytt\u00f6 finanssialalla sek\u00e4 tutkia teko\u00e4lyn soveltuvuutta tapauksen kohteen palveluihin eli pankin palveluihin. Teoreettinen osuus toteutettiin kirjallisuuskatsauksena teko\u00e4lyst\u00e4, finanssialasta ja systemaattisena kirjallisuuskatsauksena teko\u00e4lyn k\u00e4yt\u00f6st\u00e4 finanssialalla. Teorian tuloksena tuotettiin tietoj\u00e4rjestelm\u00e4tieteen n\u00e4k\u00f6kulmasta synteesi teko\u00e4lyst\u00e4, kotimaisen finanssialan kuvaus kohdealueena ja systemaattinen katsaus tutkituista teko\u00e4lyn sovelluskohteista johtop\u00e4\u00e4t\u00f6ksineen finanssialalla sek\u00e4 pohdinta teko\u00e4lyn k\u00e4yt\u00f6st\u00e4 luotoannossa. Tutkimuksen tutkimusaukko osoitettiin lyhyell\u00e4 tutkimuskartoituksella ja luotiin teoreettinen viitekehys perustuen teorioihin tai malleihin soveltuvuudesta, finanssialan teknologiakehityksest\u00e4, palveluajattelusta ja strategisesta yhteensopivuudesta. Empiirinen tutkimus toteutettiin laadullisena tutkimuksena, jossa tieto ker\u00e4ttiin puolirakenteisina teemoitettuna haastatteluina pankin tuotep\u00e4\u00e4llik\u00f6ilt\u00e4 ja IT-palvelutoimittajan p\u00e4\u00e4llik\u00f6ilt\u00e4. Tuloksina l\u00f6ydettiin teko\u00e4lyn soveltuvuuskohteita luottoluokittelusta, asiakkaan tuntemisesta, sijoitussuosittelusta ja maksamisen maksutapasuosittelusta. Johtop\u00e4\u00e4t\u00f6ksin\u00e4 teko\u00e4lypohjainen asiakkaan tunteminen ja luottoluokittelu soveltuisivat mahdollisesti pienen pankin palveluihin, mutta sijoitussuosittelun soveltuvuus vaatisi lis\u00e4\u00e4 tutkimusta ja maksutapasuosittelun soveltuvuutta ei n\u00e4hty viel\u00e4 ajankohtaiseksi. Soveltuvuuden konkreettisten mitattavien liiketoimintahy\u00f6tyjen arviointi n\u00e4htiin haastavaksi, joten hy\u00f6dyist\u00e4 nousi esiin yksi kiinnostava jatkotutkimuksen aihe.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Artificial intelligence is one of the digitalization technologies which will bring so massive changes to society that they are comparable to agricultural industrialization. These changes will also affect to firm businesses and firm services. Usually firm perform changes to their services only based on tangible benefits, so the technology fit to the service must have clear argumentation, for example, based on the productivity benefits. Finance sector and especially banking is a significant business to the society and it enables firms and consumers to use money. For consumers, banks offer basic services which are loans, savings, in-vestments and payments. In this information systems science thesis was studied how technology fits to target domain, in more detail, how artificial intelligence fits into retail banking services. Thesis was a case study based on an assignment from finance sector IT service firm. Target of the case was a customer of the IT service provider, a typical Finnish small bank. Aim of the thesis was to clarify artificial intelligence as a concept, clarify how artificial intelligence has been used before in the financial sector and to study artificial intelligence fit into the services of the case bank. Theoretical part of the thesis was implement-ed as a literature review from artificial intelligence, finance sector and as a systematic literature review from the use of artificial intelligence in finance sector. Theoretical part produced a synthesis of artificial intelligence, description of the finance sector as a target a domain and a systematic overview of the artificial intelligence applications and the conclusions in the finance sector and also a discussion of using the artificial intelligence in a credit rating task. The re-search gap was identified based on a short research survey and a theoretical framework was created based on theories or models of fit, finance sector technology development, service logic and strategic fit. Empirical part was implemented as a qualitative research where data was collected from bank product managers and IT service firm managers by using semi-structured interviews. As a result, there were found possible artificial intelligence applications in credit rating, customer insight, investment recommendations and payment type recommendations. As a conclusion, using artificial intelligence in customer in-sight and credit rating might fit in to the services of case bank, but investment recommendation fit needs more research and payment type recommendation fit cannot be argued to be relevant to case bank yet. Analysing the tangible and measurable business benefits of the fit was considered to be challenge so that raised an interesting topic for further research.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2018-09-03T06:16:19Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2018-09-03T06:16:19Z (GMT). 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