Finanssialan murroksen vaikutus pankkien IT-strategiaan

Finanssialan murrosta vie eteenpäin kolme tekijää. Ensimmäinen näistä on Euroopan Unionin toinen maksupalveludirektiivi (PSD2). Se pakottaa pankit avaamaan maksamisen rajapinnat kolmansille osapuolille. Toinen murrosta eteenpäin vievä trendi on FinTehcin alalla toimivat yritykset, jotka hyödyntävät...

Täydet tiedot

Bibliografiset tiedot
Päätekijä: Naukkarinen, Esa
Muut tekijät: Informaatioteknologian tiedekunta, Faculty of Information Technology, Informaatioteknologia, Information Technology, Jyväskylän yliopisto, University of Jyväskylä
Aineistotyyppi: Pro gradu
Kieli:fin
Julkaistu: 2019
Aiheet:
Linkit: https://jyx.jyu.fi/handle/123456789/64347
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author Naukkarinen, Esa
author2 Informaatioteknologian tiedekunta Faculty of Information Technology Informaatioteknologia Information Technology Jyväskylän yliopisto University of Jyväskylä
author_facet Naukkarinen, Esa Informaatioteknologian tiedekunta Faculty of Information Technology Informaatioteknologia Information Technology Jyväskylän yliopisto University of Jyväskylä Naukkarinen, Esa Informaatioteknologian tiedekunta Faculty of Information Technology Informaatioteknologia Information Technology Jyväskylän yliopisto University of Jyväskylä
author_sort Naukkarinen, Esa
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description Finanssialan murrosta vie eteenpäin kolme tekijää. Ensimmäinen näistä on Euroopan Unionin toinen maksupalveludirektiivi (PSD2). Se pakottaa pankit avaamaan maksamisen rajapinnat kolmansille osapuolille. Toinen murrosta eteenpäin vievä trendi on FinTehcin alalla toimivat yritykset, jotka hyödyntävät digitaalista teknologiaa finanssialan palveluissa. Kolmas finanssialan muutoksen trendeistä on alustatalouteen liittyvä Open Banking. Tutkimuksessa selvitettiin, millainen on finanssialan murroksen vaikutus pankkien IT-strategiaan. Aihe on ajankohtainen juuri nyt, koska PSD2 tulee voimaan vaiheittain vuosina 2018 – 2019, ja avoimet maksamisen rajapinnat tulevat muovaamaan finanssialaa ja maksamisen tapoja. Maksamisen rajapintoja voivat käyttää hyväkseen keskenään kilpailevat pankit, FinTechin-alan yritykset ja erilaiset alustatalouden toimijat. Laadullisen tutkimuksen aineisto kerättiin teemahaastatteluin ja analysoitiin teemoittelemalla. Tutkimuksessa haastateltiin kymmentä finanssialan hyvin tuntevaa asiantuntijaa. Tutkimuksessa esitettiin kirjallisuuskatsaus, jota käytettiin tutkittaessa finanssialan murroksen vaikutusta pankkien IT-strategiaan. Tutkimusten tulosten perusteella pankit tiedostavat finanssialan murroksen. Joskin pankkien muutos finanssialan murrokseen IT-strategisesti on vasta alussa. IT-strategisesti finanssialan murros on pankeille iso ajattelutavan muutos niin organisatorisesti kuin järjestelmienkin kannalta. Three factors contribute to the change in the financial sector. The first of these is the European Union Second Payment Services Directive (PSD2). It forces banks to open payment interfaces to third parties. Another shifting trend is the companies in the FinTech sector that utilize digital technology in financial services. The third change in the financial sector is the Open Banking that is related to the platform economy. The purpose of the study was to investigate the impact of financial sector change on bank’s IT strategy. The subject is topical right now because bank’s must be PSD2 ready by the end of September 2019 and open payment interfaces will shape payment methods. Competing banks, FinTech companies, and various platform economy players can use paying interfaces. The material for this qualitative research was collected through thematic interviews and analyzed by thematising. In the study ten financial expert were interviewed. The study presented a literature framework used to examine the impact of financial sector change on banks' IT strategy. According to research results, banks are aware of the financial change. Although the banks' IT strategic change is just beginning. IT-strategically, the change in the financial sector is a big mindset change for the banks, both organizationally and systemically.
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Ensimm\u00e4inen n\u00e4ist\u00e4 on Euroopan Unionin toinen maksupalveludirektiivi (PSD2). Se pakottaa pankit avaamaan maksamisen rajapinnat kolmansille osapuolille. Toinen murrosta eteenp\u00e4in viev\u00e4 trendi on FinTehcin alalla toimivat yritykset, jotka hy\u00f6dynt\u00e4v\u00e4t digitaalista teknologiaa finanssialan palveluissa. Kolmas finanssialan muutoksen trendeist\u00e4 on alustatalouteen liittyv\u00e4 Open Banking. \nTutkimuksessa selvitettiin, millainen on finanssialan murroksen vaikutus pankkien IT-strategiaan. Aihe on ajankohtainen juuri nyt, koska PSD2 tulee voimaan vaiheittain vuosina 2018 \u2013 2019, ja avoimet maksamisen rajapinnat tulevat muovaamaan finanssialaa ja maksamisen tapoja. Maksamisen rajapintoja voivat k\u00e4ytt\u00e4\u00e4 hyv\u00e4kseen kesken\u00e4\u00e4n kilpailevat pankit, FinTechin-alan yritykset ja erilaiset alustatalouden toimijat. Laadullisen tutkimuksen aineisto ker\u00e4ttiin teemahaastatteluin ja analysoitiin teemoittelemalla. 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spellingShingle Naukkarinen, Esa Finanssialan murroksen vaikutus pankkien IT-strategiaan PSD2 FinTech Open Banking IT-strategia Tietojärjestelmätiede Information Systems Science 601 alustatalous pankit finanssiala pankkipalvelut pankkiala rahoituslaitokset liikepankit verkkopankit
title Finanssialan murroksen vaikutus pankkien IT-strategiaan
title_full Finanssialan murroksen vaikutus pankkien IT-strategiaan
title_fullStr Finanssialan murroksen vaikutus pankkien IT-strategiaan Finanssialan murroksen vaikutus pankkien IT-strategiaan
title_full_unstemmed Finanssialan murroksen vaikutus pankkien IT-strategiaan Finanssialan murroksen vaikutus pankkien IT-strategiaan
title_short Finanssialan murroksen vaikutus pankkien IT-strategiaan
title_sort finanssialan murroksen vaikutus pankkien it strategiaan
title_txtP Finanssialan murroksen vaikutus pankkien IT-strategiaan
topic PSD2 FinTech Open Banking IT-strategia Tietojärjestelmätiede Information Systems Science 601 alustatalous pankit finanssiala pankkipalvelut pankkiala rahoituslaitokset liikepankit verkkopankit
topic_facet 601 FinTech IT-strategia Information Systems Science Open Banking PSD2 Tietojärjestelmätiede alustatalous finanssiala liikepankit pankit pankkiala pankkipalvelut rahoituslaitokset verkkopankit
url https://jyx.jyu.fi/handle/123456789/64347 http://www.urn.fi/URN:NBN:fi:jyu-201906052959
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