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[{"key": "dc.contributor.advisor", "value": "Tuunanen, Tuure", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Naukkarinen, Esa", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2019-06-05T08:03:33Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2019-06-05T08:03:33Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2019", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/64347", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Finanssialan murrosta vie eteenp\u00e4in kolme tekij\u00e4\u00e4. 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. Tutkimuksessa haastateltiin kymment\u00e4 finanssialan hyvin tuntevaa asiantuntijaa.\n Tutkimuksessa esitettiin kirjallisuuskatsaus, jota k\u00e4ytettiin 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 j\u00e4rjestelmienkin kannalta.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "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. \nThe purpose of the study was to investigate the impact of financial sector change on bank\u2019s IT strategy. The subject is topical right now because bank\u2019s 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.\nThe 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.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2019-06-05T08:03:33Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2019-06-05T08:03:33Z (GMT). No. of bitstreams: 0\n Previous issue date: 2019", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "72", "language": "", "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": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "FinTech", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Open Banking", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "IT-strategia", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Finanssialan murroksen vaikutus pankkien IT-strategiaan", "language": "", "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-201906052959", "language": "", "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": "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": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "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": "yvv.contractresearch.funding", "value": "0", "language": "", "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": null, "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": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "alustatalous", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "finanssiala", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankkipalvelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankkiala", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoituslaitokset", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "liikepankit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "verkkopankit", "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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