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[{"key": "dc.contributor.advisor", "value": "Virtanen, Aila", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Savolainen, Miikka", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-12-18T10:14:52Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-12-18T10:14:52Z", "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/123456789/73335", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4ss\u00e4 tutkimuksessa kartoitetaan keskikokoisen osuuspankin k\u00e4ytt\u00e4j\u00e4kokemuksia yhdest\u00e4 OP Ryhm\u00e4n palvelukeskuksesta, Luotto- ja vakuuspalvelusta. OP Ryhm\u00e4ss\u00e4\nosuuspankeilla on mahdollisuus valita palvelukeskuksen k\u00e4ytt\u00f6\u00f6nottamisesta, ja tutkimukseen on valittu vertailupankiksi samat palvelut itsen\u00e4isesti tuottava pankki. Tutkimuksella haluttiin selvitt\u00e4\u00e4 erityisesti, onko kyseisen palvelukeskuksen k\u00e4ytt\u00e4minen itsen\u00e4iseen toimintamalliin n\u00e4hden parempi vaihtoehto teoreettisen viitekehyksen mukaisesti, ja tulisiko palvelukeskuksen k\u00e4ytt\u00f6\u00f6nottoa suositella.\nTutkielmassa on laadullinen tutkimusote ja aineisto on ker\u00e4tty puolistrukturoiduin teemahaastatteluin haastattelemalla kahdesta pankista yhteens\u00e4 kuutta henkil\u00f6\u00e4. Aineiston\nanalysoinnissa k\u00e4ytettiin teemoittelua, jota syvennettiin sis\u00e4ll\u00f6nanalyysill\u00e4. Tutkimuksessa selvisi, ett\u00e4 palvelukeskus parantaa luottoprosessin laatua ja standardoi oman\nosansa prosessista. Palvelukeskus vastaa erityisesti pankin riskienhallinnalliseen tarpeeseen. Monet teoreettisesta viitekehyksest\u00e4 l\u00f6ydett\u00e4viss\u00e4 olevat hy\u00f6dyt, kuten kustannuss\u00e4\u00e4st\u00f6t, tehokkuus tai ydintekemiseen keskittyminen eiv\u00e4t kuitenkaan realisoituneet t\u00e4m\u00e4n tutkimuksen kontekstissa, tai hy\u00f6tyvaikutukset j\u00e4iv\u00e4t ainakin v\u00e4h\u00e4isiksi. Vastaavasti palvelun laadun paraneminen oli vain osittaista, sill\u00e4 samaan aikaan prosessi hidastui itsen\u00e4isen toimintamallin prosessiin verrattuna, ja ty\u00f6voiman allokoinnin joustavuus menetettiin.\nTulosten mukaan Luotto- ja vakuuspalvelun k\u00e4ytt\u00f6\u00f6nottoa ei tulisi perustella saavutettavilla kustannuss\u00e4\u00e4st\u00f6ill\u00e4 tai toiminnan tehostumisella. Sen sijaan k\u00e4ytt\u00f6\u00f6nottoa voidaan perustella, jos luottoprosessia ja sen riskienhallinnallista puolta halutaan pankissa\nkehitt\u00e4\u00e4. Tulokset ovat linjassa OP Ryhm\u00e4n viimeaikaisen keskitt\u00e4misen osittaisen alasajon kanssa, mutta vaadittaisiin laajempi tutkimus kattamaan erikokoisia pankkeja, jotta\nisompia johtop\u00e4\u00e4t\u00f6ksi\u00e4 voitaisiin tehd\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2020-12-18T10:14:52Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-12-18T10:14:52Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "59", "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": "SSC", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "K\u00e4ytt\u00e4j\u00e4kokemukset palvelukeskuksesta osuuspankissa : case OP", "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-202012187282", "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": "Laskentatoimi", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Accounting", "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": "20421", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "k\u00e4ytt\u00e4j\u00e4kokemus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "palvelukeskukset", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "osuuspankit", "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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