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[{"key": "dc.contributor.advisor", "value": "Sepp\u00e4nen, Ville", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Mahlberg, Alvar", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2023-07-07T09:43:40Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2023-07-07T09:43:40Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2023", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/88302", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4ss\u00e4 tutkielmassa kartoitetaan hajautetulle finanssipalvelulle tyypillist\u00e4 liiketoimintamallia, tunnistetaan sen ominaispiirteit\u00e4, sek\u00e4 tarkastellaan palveluiden tulovirtoja. Tutkielman tavoitteena oli selvitt\u00e4\u00e4 hajautettujen finanssipalveluiden luonnetta liiketoiminintana. Tutkielmassa luodaan ensin katsaus lohkoketjuteknologiaan, hajautettuihin finanssipalveluihin, sek\u00e4 liiketoimintamalleja k\u00e4sittelev\u00e4\u00e4n kirjallisuuteen. T\u00e4m\u00e4n pohjalta koostetaan hajautetulle finassipalvelulle tyypillinen liiketoimintamalli; joka selittyy sen ominaispiirteill\u00e4 arkkitehtuurin, hallinnoinnin ja liiketoiminnan tasoilla. Tutkimuksen empiirinen osuus syventyy palveluiden arvonluontiin, sek\u00e4 arvonkaappauksen, jota kautta p\u00e4\u00e4st\u00e4\u00e4n kiinni palveluiden tulovirtoihin. Tutkielman aineistoksi on ker\u00e4tty lainaus- ja vaihdantaprotokollista saatavilla olevaa avointa dataa, joka pit\u00e4\u00e4 sis\u00e4ll\u00e4\u00e4n tietoa \u00e4lysopimuksiin talletetuista varoista, palveluiden ker\u00e4\u00e4mist\u00e4 maksuista, sek\u00e4 maksujen kohdennuksesta. Aineistoon on hy\u00f6dynnetty tilastollisesti kuvaavaa analyysi\u00e4, jonka pohjalta tutkimuksen tulokset osoittavat, ett\u00e4 suurin osa aineiston lainausprotokollista (91,6%) ja vaihdantaprotokollista (70%) ker\u00e4\u00e4v\u00e4t maksuja palveluja hallinnoiville tahoille. Tutkimuksen tulokset siis osoittavat, ett\u00e4 suurimmalla osalla lainaus- ja vaihdantaprotokollista on tunnistettava tulovirta ja n\u00e4in ollen ne ovat rinnastettavissa liiketoimintaan.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2023-07-07T09:43:40Z\r\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2023-07-07T09:43:40Z (GMT). No. of bitstreams: 0\r\n Previous issue date: 2024", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "48", "language": null, "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": null, "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "hajautetut finanssipalvelut", "language": null, "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Hajautetun finanssipalvelun liiketoimintamalli", "language": null, "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-202307074429", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "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": "yvv.contractresearch.funding", "value": "0", "language": null, "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.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "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": null, "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "liiketoimintamallit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "lohkoketjut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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