| fullrecord |
[{"key": "dc.contributor.advisor", "value": "Peltoniemi, Mirva", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Riihiaho, Matias", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2019-09-10T06:18:53Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2019-09-10T06:18:53Z", "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/123456789/65467", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Pankit maailmanlaajuisesti ovat ulkoisten muutosajureiden aiheuttamassa murroksessa. K\u00e4site finanssiteknologia (FinTech) on yleisesti ymm\u00e4rretty sis\u00e4lt\u00e4v\u00e4n n\u00e4m\u00e4 muutosajurit, vaikka k\u00e4site\non edelleen heikosti ymm\u00e4rretty. Tutkimukset ovat kuitenkin osoittaneet, ett\u00e4 yritykset, jotka eiv\u00e4t vastaa asianmukaisesti ulkoisiin muutoksiin, asettavat mahdollisesti itsens\u00e4 vaaraan. T\u00e4ss\u00e4\ntutkimuksessa pyrit\u00e4\u00e4n selvitt\u00e4m\u00e4\u00e4n, miten pankit ymm\u00e4rt\u00e4v\u00e4t heit\u00e4 kohtaavia kontekstuaalisia\nmuutosajureita, ja miten niihin on vastattu. Otokseen sis\u00e4ltyi kolme julkisesti noteerattua suomalaista markkina-arvoltaan vaihtelevaa v\u00e4hitt\u00e4ispankkia. Teollisuusorganisaatiokirjallisuuden pohjalta tutkimus kysyy; mit\u00e4 muutosajureita pankit kohtaavat ja miten ne ymm\u00e4rret\u00e4\u00e4n, sek\u00e4 mit\u00e4\ntoimia pankit ovat toteuttaneet vastatakseen ulkoisen ymp\u00e4rist\u00f6n tuomiin haasteisiin. Tutkimuksessa toteutettiin organisaatio- ja fintech-kirjallisuuskatsauksen perusteella puolistrukturoituja\nhaastatteluja. Haastatteluja t\u00e4ydennettiin asiaan liittyvill\u00e4 lehdist\u00f6tiedotteilla, kauppalehden artikkeleilla ja pankkien vuosikertomuksilla viiden vuoden ajalta. Data analysoitiin k\u00e4ytt\u00e4en Gioiametodologiaa ja temporal bracketing -menetelm\u00e4\u00e4. Analyysi viittaa siihen, ett\u00e4 eri pankkien ymm\u00e4rryksess\u00e4 on suuria eroja koskien heid\u00e4n ymp\u00e4rist\u00f6ss\u00e4\u00e4n tapahtuvia muutoksia. Tutkimuksessa\nhavaittiin hyvin ristiriitaisia n\u00e4kemyksi\u00e4 Fintechin tuomien uhkien ja mahdollisuuksien suhteen.\nTulokset viittaavat siihen, ett\u00e4 Fintech ei ole vain yksitt\u00e4inen muutosajuri, joka ajaa muutosta;\npikemminkin se sis\u00e4lt\u00e4\u00e4 laajan joukon tekij\u00f6it\u00e4, jotka ajavat alan murrosta. N\u00e4it\u00e4 ovat muun muassa kuluttajien k\u00e4ytt\u00e4ytymisen ja s\u00e4\u00e4ntelyn muutos sek\u00e4 kilpailun kiristyminen. Lis\u00e4ksi t\u00e4ss\u00e4 tutkimuksessa ehdotetaan, ett\u00e4 muutokseen vastaaminen etenee seuraavassa j\u00e4rjestyksess\u00e4; i) muutosilmi\u00f6n havaitseminen, ii) valmistelevat toimet ja iii) my\u00f6hemm\u00e4t konkreettiset vastatoimet.\nTulokset osoittavat, ett\u00e4 vakiintuneet pankit sopeutuvat muuttuvassa ymp\u00e4rist\u00f6ss\u00e4 olevaan ep\u00e4varmuuteen, mutta sopeutumiseen vaikuttaa pankkien oma ymm\u00e4rrys vallitsevasta tilanteesta.\nVoidaksemme tarkastella organisaation ymm\u00e4rryst\u00e4 muutokseen ja muutosajureiden vastaamisen\nv\u00e4list\u00e4 yhteytt\u00e4, lis\u00e4\u00e4 tutkimusta tarvitaan. Tuleva tutkimus voisi my\u00f6s tarkastella, voiko t\u00e4m\u00e4n\ntutkimuksen l\u00f6yd\u00f6smallia replakoida.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Banks worldwide are currently facing significant change. This change phenomenon, better known as FinTech, remains poorly understood. However, research has shown that firms, which do not appropriately respond to exogenous change, may fail to survive. This study aims to determine how banks make sense of contextual change drivers in their external environment, and how they have responded to them. The sample includes three publicly listed Finnish retail banks of varying market capitalizations. Building on industrial organization literature, it asks what change drivers incumbents are subject to and how they make sense of them, and what actions publicly listed Finnish retail banks have taken to respond to changes in their external environment. Based on a review of industrial organization and fintech literature, semi-structured interviews were carried out. These were supplemented by a review of relevant press releases, business press articles and annual re-ports from a five-year period. The analysis of responses supplemented with secondary data in accordance with the Gioia methodology and temporal bracketing strategy suggest, that there is a great divide among how banks make sense of change in their contextual environment. The study found very conflicting views toward fintech and its threats & opportunities. Results suggest fintech is not any one single event instigating change; rather, it captures a broad range of factors contributing to change within the industry. These include changing consumer behaviour & regulation and a resulting increase in competition. Furthermore, this study suggests response to change is sequential in order of i) sensemaking of the change phenomenon, ii) early preparatory responses, and iii) late concrete actions. The results indicate that incumbents are adapting to the uncertainty in their changing environment, and that this adaptation is underpinned by sensemaking coherency. Future research is needed to study the link between sensemaking and change impetus in other in-industries, and under other change circumstances, in order to see if these results may be replicated.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2019-09-10T06:18:53Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2019-09-10T06:18:53Z (GMT). No. of bitstreams: 0\n Previous issue date: 2019", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "84", "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": "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.subject.other", "value": "FinTech", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Technological change", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Sensemaking", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Firm survival", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Strategic response", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "An industry under transformation : the case of the Finnish banking sectors response to financial technology", "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-201909104075", "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": "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.department", "value": "Business and Economics", "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": "Taloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "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": "restrictedAccess", "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": "2041", "language": "", "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": "teollisuus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "muutos", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "innovaatiot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "teknologinen kehitys", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "s\u00e4\u00e4ntely", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "organisaatiomuutokset", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "banking sector", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "industry", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "change", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "innovations", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "technological development", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "regulation (control)", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "organisational changes", "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.rights.accessrights", "value": "The author has not given permission to make the work publicly available electronically. Therefore the material can be read only at the archival workstation at Jyv\u00e4skyl\u00e4 University Library (https://kirjasto.jyu.fi/en/workspaces/facilities).", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Tekij\u00e4 ei ole antanut lupaa avoimeen julkaisuun, joten aineisto on luettavissa vain Jyv\u00e4skyl\u00e4n yliopiston kirjaston arkistoty\u00f6semalta. Ks. https://kirjasto.jyu.fi/fi/tyoskentelytilat/laitteet-ja-tilat..", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
|