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[{"key": "dc.contributor.advisor", "value": "Lamberg, Juha-Antti", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Oinasmaa, Roosa", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-05-26T09:29:46Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-05-26T09:29:46Z", "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/123456789/69212", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Finanssiala on parhaillaan sopeutumassa alan perinteisi\u00e4 k\u00e4yt\u00e4nt\u00f6j\u00e4 hajottavaan regulatiiviseen shokkiin uudistetun maksupalveludirektiivin takia. Nykyisten mahdollisuuksien ja haasteiden tunnistaminen vaatii koko ekosysteemilt\u00e4 soveltuvaa n\u00e4kemyst\u00e4 ja ennakoivaa l\u00e4hestymistapaa, jotta mukautuminen uuteen toimintaymp\u00e4rist\u00f6\u00f6n onnistuu parhaalla mahdollisella tavalla. Avoimempaan markkinaan sopeutuminen on elint\u00e4rke\u00e4\u00e4 niin kuluttajien arvoketjun s\u00e4ilytt\u00e4misen kuten my\u00f6s yritysten selvi\u00e4misen kannalta. Kuluttajien n\u00e4kemykset innovaatioarvoista, allianssipohjaisista yhteistoimintaprosesseista ja yhteisevoluutionallisesta vastavuoroisuudesta antavat selke\u00e4n kuvan siit\u00e4, kuinka uudistukset on otettu vastaan.\nT\u00e4m\u00e4 pro gradu -ty\u00f6 rakentuu empiirisen toimialakontekstin pohjalle ja k\u00e4sittelee innovaatioita niiden arvon, kohteen sek\u00e4 ekosysteemiarkkitehtuurin ja kilpailudynamiikan suhteen. Itse tutkimus on tehty suomalaisten kuluttajien n\u00e4k\u00f6kulmasta, antaen syv\u00e4llisen kuvan heid\u00e4n k\u00e4sityksist\u00e4\u00e4n. Kollektiivinen kuluttajakysely rakennettiin tutkimusdatan keruuta varten. Tulokset analysoitiin perusteellisesti ottaen huomioon taustalla olevat demografiset erot tutkimusotoksen k\u00e4sityksiss\u00e4.\nTulokset osoittavat, kuinka yleiset k\u00e4sitykset kaikkien innovaatioiden ja inkrementaalisten innovaatioiden kasvusta ovat my\u00f6nteiset, mutta tarjoavat my\u00f6s k\u00e4sityksen siit\u00e4, kuinka ep\u00e4tasaisesti erilaiset v\u00e4est\u00f6ryhm\u00e4t n\u00e4kev\u00e4t ja hy\u00f6tyv\u00e4t toimialan uudistuksista. Kuluttajat ovat huomanneet positiiviset vaikutukset useimmissa kilpailukykymittareissa nauttien eduista, jotka syntyv\u00e4t useampien palvelutarjoajien mahdollistamana. Kulutustottumuksia koskevat k\u00e4sitykset antoivat tietoa, kuinka kuluttajat valitsevat paremman kokemuksen kyberturvallisuusuhan yli. Kollektiivinen kehitys sek\u00e4 jatkuva uudelleenmuotoilu tunnustettiin toimialan komponenteiksi, viitaten alan yhteisevoluutionalliseen kasvuun. Kolmansien osapuolien tuotteita ja palveluita kulutetaan valtaosin tukitoimintoina p\u00e4\u00e4asiallisille taloudenhoitokanavoille, antaen t\u00e4rkeit\u00e4 viitteit\u00e4 kulutussuunnan tulevaisuudesta. Erilaisten asiakasryhmien tarpeiden monimuotoisuus her\u00e4tt\u00e4\u00e4 kysymyksen lis\u00e4\u00e4ntyv\u00e4st\u00e4 yhteisty\u00f6n tarpeesta toimialalla - asia, jonka jopa kuluttajat n\u00e4kiv\u00e4t tuovan markkinoille enemm\u00e4n innovaatiota ja toivovat kasvavan tulevaisuudessa.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "The financial industry is currently adapting to a regulative shock caused by the Revised Payment Services Directive that disturbs the conventional practices within the sector. Recognition of the present opportunities and challenges requires the industry ecosystem to employ vision and forethought into their approaches in order to adapt to the changing environment. Adaptation to the opened market is vital for keeping up with the consumer value chain, and also to firm survival. Consumer perceptions concerning the innovation values, alliance-based co-creational processes and coevolutionary reciprocities give clear indications on how the reforms have been received and adjusted to.\nThis thesis builds on the empirical industry context and discusses the innovations in terms of their value, pinpoint as well as ecosystem architecture and competitive dynamics. The research itself is done from the consumers\u2019 perspective within Finland, giving an in-depth overlook of their perceptions. For the purpose of the study, a collective consumer survey was constructed and circulated for data collection. The results were analyzed thoroughly, taking into account the underlying demographic differences in the perceptions of the sample.\nThe results show how the overall outlook concerning the amounts of innovations and incremental innovations is positive, but also deliver insights on how unevenly the different demographical groups view and benefit from the industry reforms. Consumers had noticed positive effects in most of the competitiveness metrics, enjoying the \n profits of having more service providers to choose from. The perceptions concerning consumption preferences provided information on consumers choosing better experience over minding a cyber security threat. The industry is perceived to coevolve as conjoint development and continuous re-shaping were recognized as industry components. The fact that third party provided products are largely consumed as downstream functions to support the main means of handling one\u2019s finances gives important indications for future developments. The complexity of catering to various consumer needs raises the question for more collaboration within the sector, something that even the consumers viewed to bring more solutions into the market and wished to see more of.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2020-05-26T09:29:46Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-05-26T09:29:46Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "90", "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": "PSD2", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "regulative shock", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "industry coevolution", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Innovation in the financial sector, industry assessment from the consumers\u2019 perspective", "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-202005263464", "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": "Yritt\u00e4jyys", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Entrepreneurship", "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": "20422", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "innovaatiot", "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": "maksupalvelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "ekosysteemit", "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": "financial sector", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "payment services", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "ecosystems", "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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