How has digitalization offered new business models for the banking sector after the financial crisis ?
Unterbirker, Paul
Promotor(s) : Muller, Aline
Date of defense : 19-Jun-2018/21-Jun-2018 • Permalink : http://hdl.handle.net/2268.2/4780
Details
Title : | How has digitalization offered new business models for the banking sector after the financial crisis ? |
Author : | Unterbirker, Paul |
Date of defense : | 19-Jun-2018/21-Jun-2018 |
Advisor(s) : | Muller, Aline |
Committee's member(s) : | Gehde-Trapp, Monika
Denis, Pascal |
Language : | English |
Number of pages : | 57 |
Keywords : | [en] Capital Markets, Financial Intermediation, Business Models, Financial Crisis and FinTech |
Discipline(s) : | Business & economic sciences > Finance |
Target public : | Researchers Student |
Institution(s) : | Université de Liège, Liège, Belgique |
Degree: | Master en sciences de gestion, à finalité spécialisée en Banking and Asset Management |
Faculty: | Master thesis of the HEC-Ecole de gestion de l'Université de Liège |
Abstract
[en] This thesis copes with the question “How digitalization has offered new business models in the banking sector after the crisis?”. With a historical journey starting from the emergence of capital markets and derived requirements for financial intermediation, the core structure leads to developments of banking business models until the financial crisis around 2008. Within a conceptual analysis, weaknesses of traditional banking business models during that crisis establish the opportunities of financial digitalization to enhance appearing issues in the core objective of financial intermediation, namely transaction costs and asymmetric information.
A listing of financial digitalization’s components guides to new banking business models and gives an outlook towards further adaption opportunities of financial digitalization. In its entirety, the thesis applies a superior architectural assessment of banking business models and skips a financial provider-based review. This procedure encloses a prioritization of intrinsic triggers and classifications in the development of the banking sector and introduces the reader to a business model-based understanding of motives and subjects which result in changings of banking services.
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