Towards e-banking: the evolution of business models in financial services

Authors:
Anu Bask;Hilkka Merisalo-Rantanen;Markku Tinnila;Theresa Lauraeus
Affiliations:
Department of Information and Service Economy, Logistics, Aalto University School of Economics, P.O. Box 21220 (Runeberginkatu 22-24), FI-00076 Aalto, Finland.;Department of Information and Service Economy, Information Systems Science, Aalto University School of Economics, P.O. Box 21220 (Runeberginkatu 22-24), FI-00076 Aalto, Finland.;Department of Information and Service Economy, Logistics, Aalto University School of Economics, P.O. Box 21220 (Runeberginkatu 22-24), FI-00076 Aalto, Finland.;Department of Information and Service Economy, Information Systems Science, Aalto University School of Economics, P.O. Box 21220 (Runeberginkatu 22-24), FI-00076 Aalto, Finland
Venue:
International Journal of Electronic Finance
Year:
2011

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Abstract

We explore the evolution of business models over time in five Finnish organisations from the banking, insurance or retail sector. The scope of the banking services to consumers has been extended in traditional banks from basic banking services to asset management, insurance and expert services. Deregulation and new technologies have enabled internationalisation and free competition. New organisations and niche players from other industries have entered the industry. Our findings add to previous research on the actual changes and the drivers and enablers of the business model evolution over time, and help practitioners to further develop their business models.