Der Einfluss Der Digitalen Transformation Auf Die Strategische Ausrichtung Einer Online Direktbank
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Der Einfluss Der Digitalen Transformation Auf Die Strategische Ausrichtung Einer Online Direktbank
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Author : Gergely Kovacs
language : de
Publisher: GRIN Verlag
Release Date : 2019-09-30
Der Einfluss Der Digitalen Transformation Auf Die Strategische Ausrichtung Einer Online Direktbank written by Gergely Kovacs and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-09-30 with Business & Economics categories.
Bachelorarbeit aus dem Jahr 2019 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, FOM Hochschule für Oekonomie & Management gemeinnützige GmbH, Nürnberg früher Fachhochschule, Sprache: Deutsch, Abstract: Haben die Filialbanken noch bis Mitte der 1990er regional gedacht, kamen mit der Internettechnologie Direktbanken hinzu. Diese konnten die Masse der Kunden deutschlandweit mit günstigeren Konditionen, als die in einer Filiale beratenden Banken ansprechen. Das Onlinebanking war entstanden, mit der der Kunde selbständig Transaktionen ausführen konnte. War am Anfang vor allem das Brokerage, also der Wertpapierhandel das Hauptgeschäft dieser Banken, kam nach der Weltwirtschaftskrise 2007 eine neue strategische Ausrichtung hinzu. Mit dem Wunsch nach stabileren Gewinnen wurden Direktbanken zu Vollbanken mit Tagesgeld und Girokonten ausgebaut. Dadurch kamen neben den Einnahmen aus Provisionen für Vermittlungen auch die beständigeren Zinseinnahmen hinzu. Daher ist die Anpassungsfähigkeit aufgrund der sich ständig verändernder Umwelt immer eine unabdingbare Eigenschaft, die erfolgreiche und langjährige Unternehmen haben mussten. Mit der Digitalisierung verändert sich diese nun in einem nie vorher gekannten Tempo. Neue Technologien, digitale Prozesse und die sich ständig verändernder regulatorischen Anforderungen und eine langanhaltende Niedrigzinsphase sind für Direktbanken eine ständige Herausforderung geworden. Zu diesen äußeren Einflussfaktoren gesellen sich nun auch die durch Venture-Capital getriebenen FinTechs und Technologie Großkonzerne wie Apple und Google, als neue Konkurrenten hinzu. Diese agieren global, sind kundenzentrierter und bieten die neuste IT-Technologie an. Daher empfinden vielfach Direktbanken die fortschreitende Digitalisierung als Bedrohung etablierter Strukturen und Geschäftsmodelle. Die digitale Transformation für Banken ist somit kein Selbstläufer. Sie müssen vor allem schnell und konsequent ihr Leistungsangebot, sowie die Abwicklungsprozesse an das sich verändernde Kundenverhalten und Marktumfeld anpassen. Ansonsten droht der Verlust von Marktanteilen zugunsten agilerer Wettbewerber. Eine digitale Transformation des Geschäftsmodells kann jedoch nur dann nachhaltigen Erfolg bringen, wenn vor der Erarbeitung und Implementierung digitaler Modernisierungsprogramme die strategische Ausrichtung der Bank im digitalen Zeitalter definiert wird. Mit Hilfe der Durchführung einer explorativen Fallstudie (Yin) wird die neue strategische Ausrichtung untersucht und mit einer Hilfe der SWOT-Analyse identifiziert. Der Fall stellt eine Direktbank dar, der die Digitalisierung in den letzten Jahren nicht vollzogen hat dar.
The Theory And Practice Of Investment Management
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Author : Frank J. Fabozzi
language : en
Publisher: John Wiley & Sons
Release Date : 2011-04-18
The Theory And Practice Of Investment Management written by Frank J. Fabozzi and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-04-18 with Business & Economics categories.
An updated guide to the theory and practice of investment management Many books focus on the theory of investment management and leave the details of the implementation of the theory up to you. This book illustrates how theory is applied in practice while stressing the importance of the portfolio construction process. The Second Edition of The Theory and Practice of Investment Management is the ultimate guide to understanding the various aspects of investment management and investment vehicles. Tying together theoretical advances in investment management with actual practical applications, this book gives you a unique opportunity to use proven investment management techniques to protect and grow a portfolio under many different circumstances. Contains new material on the latest tools and strategies for both equity and fixed income portfolio management Includes key take-aways as well as study questions at the conclusion of each chapter A timely updated guide to an important topic in today's investment world This comprehensive investment management resource combines real-world financial knowledge with investment management theory to provide you with the practical guidance needed to succeed within the investment management arena.
Digital Disruption
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Author : James McQuivey
language : en
Publisher: Amazon Publishing
Release Date : 2013
Digital Disruption written by James McQuivey and has been published by Amazon Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Business planning categories.
You always knew digital was going to change things, but you didn't realize how close to home it would hit. In every industry, digital competitors are taking advantage of new platforms, tools, and relationships to undercut competitors, get closer to customers, and disrupt the usual ways of doing business. The only way to compete is to evolve. James McQuivey of Forrester Research has been teaching people how to do this for over a decade. He's gone into the biggest companies, even in traditional industries like insurance and consumer packaged goods, and changed the way they think about innovation. Now he's sharing his approach with you. McQuivey will show you how Dr. Hugh Reinhoff of Ferrokin BioSciences disrupted the pharmaceutical industry, streamlining connections with doctors and regulators to bring molecules to market far faster--and then sold out for $100 million. How Charles Teague and his team of four people created Lose It!, a weight loss application that millions have adopted, achieving rapid success and undermining titans like Weight Watchers and Jenny Craig in the process.
Price Management
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Author : Hermann Simon
language : en
Publisher: Springer
Release Date : 2018-12-11
Price Management written by Hermann Simon and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-12-11 with Business & Economics categories.
In this book, the world’s foremost experts on pricing integrate theoretical rigor and practical application to present a comprehensive resource that covers all areas of the field. This volume brings together quantitative and qualitative approaches and highlights the most current innovations in theory and practice. Going beyond the traditional constraints of “price theory” and “price policy,” the authors coined the term “price management” to represent a holistic approach to pricing strategy and tactical implementation. They remind us that the Ancient Romans used one word, pretium, to mean both price and value. This is the fundamental philosophy that drives successful price management where producer and customer meet. Featuring dozens of examples and case studies drawn from their extensive research, consulting, and teaching around the world, Simon and Fassnacht cover all aspects of pricing following the price management process with its four phases: strategy, analysis, decision, and implementation. Thereby, the authors take into account the nuances across industry sectors, including consumer goods, industrial products, services, and trade/distribution. In particular, they address the implications of technological advancements, such as the Internet and new measurement and sensor technologies that have led to a wealth of price management innovations, such as flat rates, freemium, pay-per-use, or pay-what-you-want. They also address the emergence of new price metrics, Big Data applications, two-sided price systems, negative prices, and the sharing economy, as well as emerging payment systems such as bitcoin. The result is a “bible” for leaders who recognize that price is not only a means to drive profit in the short term, but a tool to generate sustained growth in shareholder value over the longer term, and a primer for researchers, instructors, and students alike. Praise for Price Management “This book is truly state of the art and the most comprehensive work in price management.” - Prof. Philip Kotler, Kellogg School of Management, Northwestern University “This very important book builds an outstanding bridge between science and practice.“ - Kasper Rorsted, CEO, Adidas “This book provides practical guidelines on value creation, communication and management, which is an imperative for businesses to survive in the coming era of uncertainty.” - Dr. Chang-Gyu Hwang, Chairman and CEO, KT Corporation (Korea Telecom)
European Retail Banks An Endangered Species
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Author : Andreas R. Dombret
language : en
Publisher: Wiley-VCH
Release Date : 2003-10-20
European Retail Banks An Endangered Species written by Andreas R. Dombret and has been published by Wiley-VCH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-10-20 with Business & Economics categories.
In today's retail banking industry in Europe, the current situation is unsatisfactory: new technology standards have lowered the entry barriers and increased the reach of the various players within the industry. Market players face increased competition, margin pressure and low or even negative profitability. Banks face structural challenges (overbanked and a fragmented market, dominated by non-quoted banking institutions) as well as weak levels of customer loyalty putting pressure on banks to find winning strategies. Looking at the successes of "near- and non-bank" entrants, we start with the hypothesis that a superior sales capability lies at the root of increasing success and market penetration. Consequently, both production and infrastructure might become commodities, which the successful sales-focused players may want to outsource in the future. The consequence will be an increased technology-enabled specialization within the industry. The book analyzes the retail banking segment along its value chain and searches for success factors in each step. Additionally, we searches for possible new paradigms shaping the industry beyond the E-revolution. Examining benchmarks and best practices both within and outside the banking industry, we will challenge the traditional ways of doing business in each step of the value chain. Confronted with a pan European endgame situation and facing the danger of getting stuck in the middle between sales-oriented and technology-focused market players, today's banks will have to decide on their future business model, position themselves accordingly, and proactively develop respective core capabilities. New strategies incorporate not only internal changes, but also moves for external transformation. Alliances or M&A transactions offer the opportunity to successfully in- and/or outsource respective steps of the value chain and develop towards a focused and competitive market player . Hence, our report will discuss successful business models, transformation strategies, key success factors, transaction structures, and respective case studies. Only by positioning themselves carefully for the European retail banking endgame, retail banks will be able to improve their profitability and obtain a sustainable competitive advantage to survive in the future.
Fast Innovation
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Author : Michael L. George, Sr.
language : en
Publisher: McGraw Hill Professional
Release Date : 2005-07-15
Fast Innovation written by Michael L. George, Sr. and has been published by McGraw Hill Professional this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-07-15 with Business & Economics categories.
Provides strategies for speeding innovation and getting to market. This work explains why it usually takes so long for innovations to reach the market, and why they often fail. It also helps readers learn how to: achieve faster, more controllable time-to-market; generate highly differentiated products, services, or experiences; and more.
Ingredient Branding
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Author : Philip Kotler
language : en
Publisher: Springer Science & Business Media
Release Date : 2010-05-17
Ingredient Branding written by Philip Kotler and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-05-17 with Business & Economics categories.
An Ingredient Brand is exactly what the name implies: an ingredient or component of a product that has its own brand identity. This is the first comprehensive book that explains how Ingredient Branding works and how brand managers can successfully improve the performance of component marketing. The authors have examined more than one hundred examples, analyzed four industries and developed nine detailed case studies to demonstrate the viability of this marketing innovation. The new concepts and principles can easily be applied by professionals. In the light of the success stories of Intel, GoreTex, Dolby, TetraPak, Shimano, and Teflon it can be expected that component suppliers will increasingly use Ingredient Branding strategies in the future.
Advanced Lectures On Machine Learning
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Author : Olivier Bousquet
language : en
Publisher: Springer
Release Date : 2011-03-22
Advanced Lectures On Machine Learning written by Olivier Bousquet and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-03-22 with Computers categories.
Machine Learning has become a key enabling technology for many engineering applications, investigating scientific questions and theoretical problems alike. To stimulate discussions and to disseminate new results, a summer school series was started in February 2002, the documentation of which is published as LNAI 2600. This book presents revised lectures of two subsequent summer schools held in 2003 in Canberra, Australia, and in Tübingen, Germany. The tutorial lectures included are devoted to statistical learning theory, unsupervised learning, Bayesian inference, and applications in pattern recognition; they provide in-depth overviews of exciting new developments and contain a large number of references. Graduate students, lecturers, researchers and professionals alike will find this book a useful resource in learning and teaching machine learning.
Responsible Investment Banking
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Author : Karen Wendt
language : en
Publisher: Springer
Release Date : 2015-06-15
Responsible Investment Banking written by Karen Wendt and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-06-15 with Business & Economics categories.
This book provides evidence on the relevance of environmental and social factors in decision making. It discusses the Gold Standard Frameworks for integrating extra-financial risks into the philosophy, culture, strategies, products and value chain management procedures of investment and banking and highlights the current emergence of global administrative law. New emerging topics like positive impact investing and finance, climate friendly markets, human rights, the enhanced role of fiduciary duties and shared values are approached with a lot of examples for practical application. Steps towards a new banking culture, a new climate for double loop learning and sustainable financial innovation are outlined and the additional benefits of robust stakeholder engagement explained. The anthology paves the way from robust impact and risk management to positive impact creation and a new investment culture. As well, challenges for the implementation and ways to overcome them are broadly discussed. The book is rooted in the fact that institutions and investors which fail to professionally integrate the management of extra-financial risk into their whole lending and investment chain and fail to move to positive impact creation may well loose positions and mandates and finally the trust of their clients, partners and stakeholders. The contributing authors of this anthology are internationally renowned experts in the field of ESG and impact investing. The compendium brings together practitioners and academics to allow a confluence of thoughts, concepts and viewpoints. This huge variety of perspectives and approaches makes this volume a comprehensive compendium on responsible investment and banking.
Assessment Of Waste Management Strategies In Nigerian Universities
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Author : Kenobi Krukru
language : en
Publisher: GRIN Verlag
Release Date : 2016-08-03
Assessment Of Waste Management Strategies In Nigerian Universities written by Kenobi Krukru and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-03 with Business & Economics categories.
Bachelor Thesis from the year 2015 in the subject Business economics - Controlling, grade: 2'1, , course: Geography & Regional Planning, language: English, abstract: This study was undertaken to assess the management strategies of solid waste in the University of Calabar. In order to guide the study, 6 objectives were identified and one hypothesis formulated. Several literatures were reviewed and data was collected through structured questionnaires. Collected data was analyzed using the Pearson product moment correlation and the student t-test. Findings revealed that there is efficient waste management in the University of Calabar. Meaningful recommendations were suggested to create awareness of the need for a clean environment for man’s habitation.
