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[{"key": "dc.contributor.advisor", "value": "Kypp\u00f6, Jorma", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.advisor", "value": "Sepp\u00e4nen, Ville", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Hyyti\u00e4inen, Teemu", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-05-12T12:06:36Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-05-12T12:06:36Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2020", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/68940", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Ehdolliset maksut ovat kaikkialla ymp\u00e4rill\u00e4mme. Yhdet selkeimmist\u00e4 ehdollisten maksujen k\u00e4ytt\u00f6kohteista ovat maksusitoumukset ja palvelusetelit. Maksusitoumuksissa ja palveluseteleiss\u00e4 on aina kolme osapuolta; asiakas, palveluntarjoaja ja sponsori. Sponsori lupautuu maksamaan asiakkaan ostaman palvelun tai tuotteen, mutta asiakas voi itse p\u00e4\u00e4tt\u00e4\u00e4 mink\u00e4 palveluntarjoajan palveluja hy\u00f6dynt\u00e4\u00e4. Useat maksusitoumukset ja palvelusetelit tarjotaan edelleen asiakkaille paperisina. Paperisten maksusitoumusten haasteena on maksusitoumusten toimittaminen asiakkaalle, ostotapahtuman hitaus ja korvauksen tilitt\u00e4misen manuaalisuus. Digitalisoimalla maksusitoumukset voimme parantaa asiakkaan ostokokemusta. Lis\u00e4ksi digitalisointi mahdollistaa hallinnollisten ja manuaalisten ty\u00f6teht\u00e4vien automatisoinnin ja kevent\u00e4misen. N\u00e4iden kulurakenteellisten etujen ansiosta monet sponsorit pyrkiv\u00e4t digitalisoimaan maksusitoumuksiaan. Lis\u00e4ksi hajautetut verkot mahdollistavat verkostoefektej\u00e4, joista toimijat hy\u00f6tyv\u00e4t verkon laajentuessa. Tutkimus oli tapaustutkimus, jonka tutkimusaineisto ker\u00e4ttiin laadullisella haastattelututkimuksella. Tutkimuskohteena oli Kelan \u00e4lyrahake, joka toimii digitaalisena maksusitoumuksena. Tutkimuksessa tutkittiin \u00e4lyrahaketta Kelan kuntoutuspsykoterapian maksusitoumuksena. Haastateltavat olivat terapeutteja, kuntoutuspsykoterapian asiakkaita, Kelan asiantuntijoita ja hajautettujen verkkojen asiantuntijoita. Tutkimuksen tulokset osoittivat, ett\u00e4 digitaalinen hajautettu verkko laskee toimijoiden kustannuksia. Lis\u00e4ksi tunnistettiin miss\u00e4 maksuprosessin vaiheissa s\u00e4\u00e4st\u00f6j\u00e4 syntyy, sek\u00e4 kuinka paljon s\u00e4\u00e4st\u00f6j\u00e4 syntyy tutkimuskohteessa. T\u00e4m\u00e4n tutkimuksen tuloksia voidaan hy\u00f6dynt\u00e4\u00e4 arvioidessa toimijoiden etuja liitty\u00e4 tutkimuskohteena olevaan \u00e4lyrahakeverkkoon. Lis\u00e4ksi tutkimuksen tuloksia voidaan hy\u00f6dynt\u00e4\u00e4 arvioidessa uuden hajautetun verkon kulurakenteellisia etuja.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Conditional payments are everywhere around us. One of the most common use cases of conditional payments are commitments and service vouchers. In commitments and service vouchers there are always three parties involved: customer, service provider and sponsor. Sponsor promises to pay for customers\u2019 services or products, but customer can themselves choose which service provider\u2019s service they want to use. Many commitments and service vouchers are still provided in paper for the customers. The challenge that paper commitment face are delivering the commitment for the customer, slow purchase transaction and the manual process of reporting. With digitalization, we can improve customers\u2019 purchase experience. Additionally, digitalization provides automation in administrative and manual work task. Because of these benefits, many sponsors want to digitalize their commitments. Distributed networks also enable network effects, from which all actors\u2019 benefits when network expands. This study was a case study. The material was collected through qualitative interviews. Subject of the study was Kela\u2019s smart money, which is digital commitment. Smart money was studied in the context of Kela\u2019s rehabilitation psychotherapy. Interviewees were therapists, Kela\u2019s specialists and specialists of distributed networks. Results of the research digital and distributed network lowers combined costs of the process. It was also found out where the benefits of the lower costs occurred and how much network could save in the research\u2019s case. The results of this research can be utilized, when estimating the benefits of different actors to join Kela\u2019s smart money network. The results can also be used when estimating the cost benefits of joining to another distributed network.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2020-05-12T12:06:36Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-05-12T12:06:36Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "61", "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": "maksusitoumus", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "rahake", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Maksusitoumukset lohkoketjussa", "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-202005123144", "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.collaborator", "value": "public", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "yvv.contractresearch.initiative", "value": "student", "language": "", "element": "contractresearch", "qualifier": "initiative", "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": "hajautetut j\u00e4rjestelm\u00e4t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "lohkoketjut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "palvelusetelit", "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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