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[{"key": "dc.contributor.advisor", "value": "Halttunen, Veikko", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Heiskanen, Lauri", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2019-12-17T11:23:58Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2019-12-17T11:23:58Z", "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/123456789/66874", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4m\u00e4 tutkielma tarkastelee kirjallisuuskatsauksen muodossa pankeille koituvia haasteita, joita toisen maksupalveludirektiivin vaatimukset niille aiheuttavat. Toisessa maksupalveludirektiiviss\u00e4 m\u00e4\u00e4ritet\u00e4\u00e4n, ett\u00e4 pankkien on avattava rajapintojaan kolmansien palveluntarjoajien k\u00e4ytett\u00e4v\u00e4ksi. Euroopan Unioni pyrkii n\u00e4in lis\u00e4\u00e4m\u00e4\u00e4n kilpailua ja innovaatioiden m\u00e4\u00e4r\u00e4\u00e4 maksupalvelumarkkinoilla. Pankkien on pystytt\u00e4v\u00e4 uudistamaan tietoj\u00e4rjestelmi\u00e4\u00e4n ja luotava uusia integraatioita toteuttaakseen direktiivin vaatimukset. Lis\u00e4ksi pankit joutuvat vastaamaan koventuvaan kilpailuun kolmansia palveluntarjoajia vastaan, jotka pyrkiv\u00e4t kasvattamaan markkinaosuuttaan maksupalvelumarkkinoilla. T\u00e4rkeimpi\u00e4 esille tulleita uhkia pankeille olivat: tietoturvan heikentyminen, markkinaosuuden pienentyminen maksupalvelumarkkinoilla ja tilitietojen omistajuuden jakaminen. Merkitt\u00e4vimm\u00e4t tunnistetut heikkoudet pankkien osalta olivat: vanhentuneet tietoj\u00e4rjestelm\u00e4t, j\u00e4ykkyys vastata muutokseen, asiakasl\u00e4ht\u00f6isyyden heikko taso toimintatavoissa, haasteet toteuttaa kokeilevaa kehityskulttuuria, liiketoimintaymp\u00e4rist\u00f6n tarkka s\u00e4\u00e4ntely ja valvonta sek\u00e4 asiakkaiden niille asettamat korkeat vaatimukset turvallisuuden n\u00e4k\u00f6kulmasta. Tulosten perusteella pankit ja kuluttajat pystyv\u00e4t paremmin valmistautumaan markkinoilla tapahtuvaan muutokseen. Alan tutkimuksien kannalta t\u00e4m\u00e4 tutkimus kokoaa aiheen kirjallisuuden kokonaisuudeksi, ja esittelee tehdyt l\u00f6yd\u00f6kset viitekehyksess\u00e4. L\u00f6yd\u00f6kset esitet\u00e4\u00e4n yleisell\u00e4 tasolla ja t\u00e4m\u00e4n tutkimuksen tulosten syvent\u00e4miseksi k\u00e4yt\u00e4nt\u00f6\u00f6n olisi hyv\u00e4 saada empiirist\u00e4 jatkotukimusta. T\u00e4t\u00e4 aihetta on tutkittu tietoj\u00e4rjestelm\u00e4tieteess\u00e4 viel\u00e4 suhteellisen v\u00e4h\u00e4n, vaikka se on ajankohtainen ja merkitt\u00e4v\u00e4 tutkimuskohde. T\u00e4m\u00e4n tutkimuksen tutkimustulokset vastaavat tutkimuskysymykseen: mit\u00e4 haasteita toisen maksupalveludirektiivin velvoite rajapintojen avaamisesta aiheuttaa pankkien liiketoiminnalle?", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2019-12-17T11:23:58Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2019-12-17T11:23:58Z (GMT). No. of bitstreams: 0\n Previous issue date: 2019", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "37", "language": "", "element": "format", "qualifier": "extent", "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": "open banking", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "toinen maksupalveludirektiivi", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Euroopan Unionin toinen maksupalveludirektiivi : rajapintojen avaamiseen liittyv\u00e4t haasteet pankkien kannalta", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201912175363", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatinty\u00f6", "language": "fi", "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": 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"value": "maksupalvelut", "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": "direktiivit", "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": "s\u00e4\u00e4ntely", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", 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