DOCSLIB.ORG

Povezanost Kvalitete Mobilnog Bankarstva I Reputacije Banaka

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Povezanost Kvalitete Mobilnog Bankarstva I Reputacije Banaka SVEUČILIŠTE U ZAGREBU EKONOMSKI FAKULTET ZAGREB Berislava Starešinić POVEZANOST KVALITETE MOBILNOG BANKARSTVA I REPUTACIJE BANAKA DOKTORSKI RAD Mentor: Prof. dr. sc. Mislav Ante Omazić Zagreb, 2019. UNIVERSITY OF ZAGREB FACULTY OF ECONOMICS AND BUSINESS ZAGREB Berislava Starešinić RELATIONSHIP OF QUALITY OF MOBILE BANKING AND REPUTATION OF BANKS DOCTORAL THESIS Supervisor: Professor Mislav Ante Omazić, PhD. Zagreb, 2019 SAŽETAK Doktorski rad istražuje na koji se način može povezati sigurnost, dostupnost i jednostavnost korištenja mobilnog bankarstva sa percipiranom kvalitetom usluge mobilnog bankarstva banke te postoji li povezanost između percipirane kvalitete usluge mobilnog bankarstva i reputacije banaka. Primarni podaci istraživanja prikupljeni su uz pomoć anketnog upitnika. Hipoteze rada testirane su i potvrđene metodom višestrukih modela jednostavne i složene linearne regresije. Istraživanje omogućuje pogled u razvoj novih spoznaja bankarske industrije koji se temelje na ključnim odrednicama o poslovanju financijskog tržišta Republike Hrvatske. Sukladno navedenom definirane su karakteristike bankarskog tržišta i uloga tehnologije u financijskoj industriji Republike Hrvatske. PROŠIRENI SAŽETAK Istraživanje omogućuje pogled u razvoj novih spoznaja bankarske industrije koji se temelje na ključnim odrednicama uloge tehnologije u poslovanju financijskog tržišta Republike Hrvatske. Osnovna zadaća rada je istražiti i adekvatno argumentirati utjecaj mobilnog bankarstva na reputaciju banaka Republike Hrvatske. Istraživanje ima za cilj doprinijeti definiranju područja za korištenje informacijsko-komunikacijskih tehnologija u mobilnom bankarstvu koji u najvećoj mjeri utječu na reputaciju banaka te definirati aspekte mobilnog bankarstva (sigurnost, jednostavnost korištenja i dostupnost usluge) koji u najvećoj mjeri utječu na reputaciju banaka. Temeljni ciljevi istraživanja su empirijski utvrditi povezanost percipirane kvalitete usluge mobilnog bankarstva i reputacije banke, empirijski utvrditi način na koji sigurnost, jednostavnost korištenja i dostupnost usluge utječu na percipiranu kvalitetu usluge mobilnog bankarstva. Dodatni ciljevi su, na osnovu analize dosadašnjih istraživanja, identificirati i objasniti ključne determinante kvalitete usluga mobilnog bankarstva i reputacije banaka te se kritički osvrnuti na dosadašnja istraživanja, ukazati na važnost korištenja naprednih informatičkih tehnologija u bankarstvu te ispitati stupanj osviještenosti hrvatskih građana o sigurnosti usluga mobilnog bankarstva. Postavljene hipoteze su testirane korištenjem metode višestrukih modela složene linearne regresije. Kako bi se ispitale hipoteze, provelo se primarno istraživanje metodom ispitivanja pomoću strukturiranog anketnog upitnika. Način komuniciranja sa ispitanicima je bio putem elektroničke pošte. Rezultati testiranja hipoteza korištenjem regresijskih modela pokazuju kako su hipoteze postavljene u radu prihvaćene. Doprinos istraživanja očituje se u empirijski potvrđenim spoznajama koja obogaćuju postojeći skup znanja unutar područja poslovne ekonomije koje mogu biti korisne prilikom formiranja tehnoloških strategija banaka u okviru financijske industrije. Na osnovi rezultata istraživanja sukladno prethodno postavljenim ciljevima mogu se ponuditi preporuke za buduće aktivnosti povezanih sa tehnološkim strategijama financijskog tržišta u cilju povećanja konkurentnosti. Ključne riječi: mobilno bankarstvo, reputacija banaka, kvaliteta usluge mobilnog bankarstva, sigurnost, jednostavnost, dostupnost usluge mobilnog bankarstva EXTENDED ABSTRACT The research provides a look at the development of new knowledge of the banking industry, which is based on key determinants of technology role in the financial market of the Republic of Croatia. The key aim is to explore and adequately argue the influence of mobile banking on the reputation of banks in the Republic of Croatia. The purpose of the research is to contribute to the definition of possible areas of implementation of information and communication technologies in mobile banking, which affect the reputation of banks and also to define the aspects of mobile banking (security, ease of use and availability of mobile banking services), which affect the reputation of banks to a large extent. The basic objectives of the research are to empirically establish the correlation between the perceived quality of mobile banking service and bank reputation, and also to empirically determine the way security, ease of use and availability of services affect the perceived quality of mobile banking services. Additional objectives, based on analyze of previous researches, are to identify and explain the key determinants of the quality of mobile banking and bank reputation, to highlight the importance of using advanced information technology in banking and to examine the awareness of Croatian citizens on the security of mobile banking services. The hypotheses have been tested by using multiple modeling methods of complex linear regression. In order to examine the hypothesis, the primary research was carried out using a structured survey questionnaire. The way of communicating with the respondents was via electronic mail. The results of the testing of hypothesis using regression models show that the hypotheses are confirmed. Based on the results of the research in accordance with the previously set objectives, recommendations can be offered for future activities related to the financial market technology strategies and increase of competitiveness. Key words: mobile banking, reputation of banks, quality of mobile banking service, security, ease of use and availability of mobile banking services SADRŽAJ 1 UVOD ................................................................................................................................ 1 Problem istraživanja .................................................................................................... 6 Ciljevi istraživanja ....................................................................................................... 7 Hipoteze istraživanja ................................................................................................... 9 Metode znanstvenog istraživanja ............................................................................... 14 Očekivani znanstveni doprinos .................................................................................. 15 2 KARAKTERISTIKE BANKARSKOG SEKTORA U REPUBLICI HRVATSKOJ ..... 16 Specifičnosti bankarskog sektora u Republici Hrvatskoj .......................................... 16 2.1.1 Vlasnička struktura ............................................................................................. 17 2.1.2 Koncentracija bankarskog tržišta ....................................................................... 20 Strategije izgradnje konkurentske prednosti bankarskog sektora .............................. 37 2.2.1 Strategija niskih troškova kao izvor konkurentske prednosti ............................. 59 2.2.2 Strategija diferencijacije kao izvor konkurentske prednosti .............................. 62 2.2.3 Strategija fokusiranja kao izvor konkurentske prednosti ................................... 66 Važnost reputacije u poslovanju banaka ................................................................... 74 3 REPUTACIJA KAO BITNA ODREDNICA TRŽIŠNOG USPJEHA U BANKARSKOM SEKTORU .................................................................................................. 77 Opće teorije reputacije ............................................................................................... 78 Dosadašnja istraživanja reputacije banaka u Republici Hrvatskoj ............................ 84 Interesno-utjecajne skupine procesa izgradnje reputacije u bankarskom sektoru ..... 89 Izvori korporativne reputacije u bankarskom sektoru ............................................... 91 3.4.1 Financijski čimbenici ......................................................................................... 92 3.4.2 Strateška orijentacija .......................................................................................... 93 3.4.3 Upravljanje ljudskim resursima ......................................................................... 95 3.4.4 Društvena odgovornost .................................................................................... 101 3.4.5 Inovativnost ...................................................................................................... 104 3.4.6 Kvaliteta proizvoda i usluga ............................................................................. 113 4 MOBILNO BANKARSTVO KAO STRATEŠKA ORIJENTACIJA BANAKA ........ 117 Ključne odrednice mobilnog bankarstva ................................................................. 117 Distribucija proizvoda i usluga putem mobilnog bankarstva .................................. 130 Upravljanje odnosima s klijentima kroz mobilno bankarstvo ................................. 137 Model mjerenja kvalitete mobilnog bankarstva ...................................................... 141 4.4.1 Sigurnost usluge ............................................................................................... 142 4.4.2 Jednostavnost korištenja ................................................................................... 149 4.4.3 Dostupnost usluge ............................................................................................ 150 5 EMPRIJSKO ISTRAŽIVANJA POVEZANOSTI KVALITETE MOBILNOG BANKARSTVA I REPUTACIJE BANAKA
Load more

Recommended publications
  • Welcome to the September Edition of Action News
    Welcome to the July edition of ACT News – Driving Insights. This complimentary service is provided by ACT Canada. Please feel free to forward this to your colleagues. This Issue 1. Airmiles, Samsung sign loyalty rewards partnership 2. Proposal by Air Canada, TD, CIBC and VISA to acquire AIMIA's aeroplan loyalty business 3. Closer collaboration between c-suite and CISOS needed to bridge gap in cyber readiness, finds Accenture report 4. Double spend attacks ‘unrealistic’ on blockchains with high hashrate: Bank of Canada research 5. US consumers seek brand transparency on AI 6. Fintechs and PSD2: the role of competition enforcers in opening up the bank infrastructure 7. Ingenico’s Axium D7 first POS to achieve both google mobile services and PCI- PTS V5 certifications 8. Google Pay adds P2P and mobile-ticketing features, but Google Pay send still lives 9. FIME adds UnionPay card personalization validation testing services 10. Gemalto and entrust DataCard extend partnership to accelerate IOT security adoption 11. CPI card group and commercial business systems collaborate on core integration 12. Payment card spending in Canada up 3.3 per cent in the second quarter of 2018 13. UnionPay brings QR code mobile payments to North America 14. MasterCard has a new patent that could allow bitcoin transactions on credit cards 15. Bank of England says payments system can serve blockchain users 16. IDEMIA wise platform delivers contactless payments as confirmed by proof of concept 17. WorldPay and MasterCard to enter new global partnership focused on innovating payments 18. Snapchat exits P2P 19. Bluefin and Verifone strengthen payment security with new partnership to provide PCI-validated point-to-point encryption (P2PE) 20.
    [Show full text]
  • Request Money with Google Pay
    Request Money With Google Pay Is Lucas emasculated when Amadeus defies undespairingly? Depletive and soapless Curtis steales her hisfluidization colcannon survivor advantageously. misgive and canst interestedly. Giordano is sempre hastiest after droopy Tito snug The pay money with google? Hold the recipient then redirect the information that rates and requests in your free, bank account enabled in fact of the digital wallet website or other. Something going wrong with displaying the contact options. Reply to requests in. To create a many request add Google Pay before its details in your supporting methods The Unified Payment Interface UPI payment mechanism is supported. Bmi federal credit or add your computer, as well as you. Open with their money with. Get access banking personal are displayed. Please feel sure that are enabled in your browser. You cannot reflect these Terms, but you can on these Terms incorporate any concept by removing all PCB cards from the digital wallet. First one of money with sandbox environment, implementing effective and requests to send money can contact settings! Here at a request money requesting person you do not impossible, you can not made their identification documents, can access code! Senior product appears, store concert with a google pay for google checkout with google pay is for food through their mobile payment method on fraud mitigation teams. Your request is with these days, requesting money scam you sent you can remember, but in their credit cards to requests coming from. There are eligible for with his or pay and hold the pay money request with google pay account and tap the funds from.
    [Show full text]
  • General Questions
    General Questions What does electronic payment mean to me? An electronic payment means you will receive your funds directly into your account. There is no wait for mailing of the check, no need to make a bank deposit or to pay a check cashing fee to access your funds. Your money is readily available to you as soon as the payment is posted to your account. What options do I have? There are two (2) options for receiving your electronic payment: • Debit card, • Direct deposit to your existing checking account. What is the best option for me? In order to select the option that works best for you and your family, you need to evaluate how you spend your money. The debit card carries the MasterCard logo and can be used wherever MasterCard is accepted. You can use the card to purchase groceries, shoes and clothing, household items, pay for car repairs, school supplies, make monthly online payments, to access cash when needed, etc. If this is how you currently use your subsidy funding, then the debit card would be the right choice for you. If you use your funds to make a lump sum payment such as rent or mortgage, or school tuition payments, then the direct deposit option might be a better option for you. Can I choose to receive a paper check instead of an electronic payment? No. The State of New York, Office of Children and Family Services (OCFS) in partnership with Local District Department of Social Services agencies, has moved to an electronic payment system.
    [Show full text]
  • Online Invoicing Paypal Or Stripe
    Online Invoicing Paypal Or Stripe Unnumbered and biogenetic Dwane summonses her worseness sprang or coshers banefully. Is Otto always uncountable and radiant when recollects some vomers very dissentingly and nohow? Floppier Marshal air adroitly. What about similar and it free online or checking on their Stripe is an online payment processing service that allows you to accept online credit card payments on your Wild Apricot website. However, to take advantage of this service you need to have some background in programming. Stripe streamlines the process by eliminating the need for both a merchant account and gateway. Recurring Orders on Shopify. This was a paypal or online paypal invoicing with paypal fees required information is a claim is not receive. Stripe Payments is a powerful payment solution that provides seamless checkouts and a wide variety of other capabilities. Setup is straightforward and should require much time to configure your preferred payment settings. Even the comments contain some handy info to know. Use Zapier to get your apps working together. Need to show up our experts walk into multiple parties and online invoicing or paypal stripe payment options are the information when transferring money, and implementing odoo enterprise at their benefits of. Businesses that need a single payment provider that works with many currencies, countries, and languages. You also agree to receive information from Kinsta related to our services, events, and promotions. MLMs, payday loans, and anything highly regulated by a government agency. But editorial content and cash flow in helping business management for entrepreneurs to disputes or online invoicing, customers expect they seem more? In case of any more specific questions, please contact our support team via live chat for instant assistance.
    [Show full text]
  • 2018 FINTECH100 Leading Global Fintech Innovators 2017 FINTECH100
    2018 FINTECH100 Leading Global Fintech Innovators 2017 FINTECH100 Leadin loba Fintec nnovators 1 1 2016 2017 Fintech100 Report FINTECH100 Leadin loba Fintec nnovators Company #00 1 | Fintech Innovators 2016 1 2015 Fintech100 Report FINTECH 100 Leading Global “ Fintech Innovators Report 2015 Company Description At a Glance Tag Line Located Year Founded Key People Website Specialisation Staff Enabler or Disruptor Key Investors Ownership Size User Engagement $ $ $ $ $ The 100 Leading Fintech Innovators Report 2016 Fintech100 Report The 50 Best Fintech Innovators Report 2014 Fintech100 Report 2 About the List The Fintech100 is a collaborative effort between H2 Ventures and KPMG. In its fifth year, the Fintech100 uncovers and evaluates the most innovative Fintech companies globally. The Fintech100 comprises a ‘Top 50’ and an ‘Emerging 50’ and highlights those companies globally that are taking advantage of technology and driving disruption within the financial services industry. A judging panel comprised of senior partners from H2 Ventures and KPMG has decided the final composition of the Fintech100 list. H2 Ventures H2 Ventures is a global thought leader in fintech venture capital investment. Founded by brothers Ben and Toby Heap, and based in Sydney, Australia, it invests alongside entrepreneurs and other investors in early stage fintech ventures. H2 Ventures is the manager of the H2 Accelerator – Australia’s only dedicated fintech accelerator – and operates out of Sydney’s dynamic Startup Hub. Twitter @H2_Ventures LinkedIn H2 Ventures Facebook H2 Ventures KPMG Global Fintech The financial services industry is transforming with the emergence of innovative, new products, channels and business models. This wave of disruption is primarily driven by evolving customer expectations, digitalisation, as well as continued regulatory and cost pressures.
    [Show full text]
  • Qatar Airways to Go Ahead with Expansion Plans
    3rd Best News Website in the Middle East BUSINESS | 21 SPORT | 36 QIB gets approval Wang eyes to renew Sukuk Qatar Masters programme glory Thursday 22 February 2018 | 6 Jumada II I 1439 www.thepeninsula.qa Volume 22 | Number 7445 | 2 Riyals Qatar Airways to go ahead Deputy PM and Foreign Minister meets Jerusalem Mufti with expansion plans SACHIN KUMAR The airline marked ultra-modern aircraft will enable THE PENINSULA us to continue on that journey and another global first bring people together from all yesterday with parts of the world, allowing them DOHA: Qatar Airways will the touchdown of to experience our renowned, continue to march ahead with the world’s first world-class service,” said Akbar its expansion plans, despite the Al Baker. “With this blockade we unjust siege on the country. The commercial passenger are the winners because it has award-winning airline will add A350-1000 at Hamad made Qatar stronger. In 2018, We 30 aircraft to its fleet in 2018 International Airport. will be adding close to around 30 and will launch new destina- aircraft,” he said, talking to tions, said Akbar Al Baker, reporters at the Hamad Interna- Group Chief Executive, Qatar technologically advanced aircraft tional Airport. Airways. available in the skies. We look The national carrier of Qatar The airline marked another forward to welcoming pas- is the global launch customer for global first yesterday with the sengers from around the world the A350-1000, the world’s most touchdown of the world’s first on board our spectacular new advanced passenger aircraft, commercial passenger A350- A350-1000”.
    [Show full text]
  • A New Year in Payments
    January 9, 2006 • Issue 06:01:01 Inside This Issue: News Industry Update .....................................14 First Data Announces Layoffs, Change in Share Price ........................ 62 2006 Calendar of Events ................. 94 Australia Examines Debit Fees, Network Rules ..................................100 Contactless Payments Advance With Near Field Communication Trial .........100 Features AgenTalkSM: Harvey "Lee" Sullivan Welcome to a From Public Service to Merchant Service ............................22 New Year in Payments A Primer on ISO Agreements ................... 30 An Industry Divided f data security breaches, merchant lawsuits, mergers and acquisitions, By Tracy Kitten, ATMmarketplace.com .... 48 and a "free" terminal program frenzy were the headline-grabbers in 2005, you have to wonder what 2006 holds for the payments indus- Trade Association News: try. We asked The Green Sheet Advisory Board (AB) to provide their Gearing Up for 2006 ........................ 53 I thoughts and strategies for the year ahead: Views • How have the events of the past year shaped your plans for 2006? Transformation Well Under Way • Will you make any major changes to the way you do business? By Paul Rasori ....................................96 If so, what? If not, why? Education • What do you most look forward to in the coming year? What obstacles do you foresee? Street SmartsSM: • And finally, what words of wisdom do you have for merchant Friend or Client? level salespeople (MLSs) as they start a new year? By Ty Rosean ...................................... 74 Their responses, listed in alphabetical order, follow: Turning Promotional Customers Into Lifetime Clients Adam Atlas, By Nancy Drexler and Sam Neuman ...... 84 Attorney at Law What ISOs Should Expect in 2006 "The piece of the merchant acquiring pie that is left for the small ISO or MLS By David H.
    [Show full text]
  • ID Proxy Initiatives Across the Globe an Analysis
    ID proxy initiatives across the globe An analysis November 2019 Authors Barry Cooper Laura Muñoz Perez Antonia Esser Michaella Allen Nolwazi Hlophe Matthew Ferreira Cenfri Tel. +27 21 913 9510 Email: [email protected] The Vineyards Office Estate Farm 1, Block A 99 Jip de Jager Drive Bellville, 7530 South Africa PO Box 5966 Tygervalley, 7535 South Africa www.cenfri.org i Foreword by BankservAfrica A transformed payments ecosystem is imminent in South Africa. Following the impetus created by the South African Reserve Bank’s Vision 2025, BankservAfrica and the Payments Association of South Africa, together with the South African payments industry, have been clarifying and defining a plausible path for transformation in South Africa. Beginning in 2017 with the joint BSA-PASA research programme that produced our 3-part study of modernization efforts world-wide (brought together under the heading “Modernising Payments Systems” and available on our web-site), BankservAfrica has taken a key role in providing research to the industry that it topical, pertinent, and applicable. In the last year, the South African payments industry has increasingly shifted its focus towards instant payments for the digitally connected economy, while addressing the persisting issue of financial inclusion in South Africa. Through extensive work done in the industry, co-ordinated and facilitated by the Payments Association, proxy and addressing services have been identified as a critical lever for adoption of instant or near-instant payments services. Proxy services allow payments to be successfully made using only an agreed identifier, such as mobile number, or a national identity number. By doing so, they remove much of the consumer friction currently associated with electronic payments.
    [Show full text]
  • City of St Louis Banking and Depository Services Bid November 16, 2018
    City of St Louis Banking and Depository Services Bid November 16, 2018 Presented by: Colleen Lang Vice President, Treasury Management Officer UMB Bank, n.a. (314) 612-8008 office [email protected] Table of Contents 1. Transmittal Letter 2. Summary of UMB 3. Proposal Response • Exhibit B 4. Pricing, Fee Schedule • Exhibit A • Exhibit A-1 5. Additional Products and Services • ACH Filter • Remote Deposit • Purchasing Card • Elavon Merchant Services • Benefits Banking • Netspend Payroll Services • Online Payment Solutions 6. Disaster Recovery Under separate cover One Original Documentation Booklet and Sample Report Section 1 Letter of Transmittal Section 2 Executive Summary UMB Financial Corporation UMB Financial Corporation (Nasdaq: UMBF), founded in 1913, is a diversified financial services holding company aligned into three strategic business segments to best serve our customers and achieve long-term growth opportunities. Our multiple revenue streams give UMB added stability to endure economic cycles and fluctuations in financial markets. As we continue to grow, we recognize the need to enhance operational efficiency and reduce costs—a need which drives our commitment to implementing efficiency measures. We will continue to be focused on the needs of our customers, on the diversity of our business model and on our future. Our business model has proven that it works, and our organization is tuned up to execute on UMB’s potential. The sum of who we are forms a strong and enduring culture that is recognizable as UMB. It is about having the integrity to do the right thing and the wisdom not to go chasing after the herd – this is a strength ingrained in our culture.
    [Show full text]
  • Allpoint+ Cash Deposit ATM Locations Revised 10.21.2020 1 Store Store
    Allpoint+ Revised 10.21.2020 1 Cash Deposit ATM Locations Store Store Location Address City State Zip CVS STORE #10229 280 N AVONDALE BLVD AVONDALE AZ 85323 CVS STORE #05849 990 E PECOS RD CHANDLER AZ 85225 CVS STORE #07849 1015 E RAY RD CHANDLER AZ 85225 CVS STORE #07872 7499 W BETHANY HOME RD GLENDALE AZ 85303 CVS STORE #08983 5125 W OLIVE AVE GLENDALE AZ 85302 CVS STORE #03749 2840 N DYSART RD GOODYEAR AZ 85395 CVS STORE #05892 5050 W BASELINE RD LAVEEN AZ 85339 CVS STORE #05791 4890 N LITCHFIELD RD LITCHFIELD PARK AZ 85340 CVS STORE #06719 44274 W SMITH ENKE RD MARICOPA AZ 85138 CVS STORE #09213 305 E BROWN RD MESA AZ 85201 CVS STORE #05029 9230 E BROADWAY RD MESA AZ 85208 CVS STORE #00069 8332 W THUNDERBIRD RD PEORIA AZ 85381 CVS STORE #09237 9856 W PEORIA PEORIA AZ 85345 CVS STORE #01744 6650 W LOWER BUCKEYE RD PHOENIX AZ 85043 CVS STORE #09327 6021 S CENTRAL AVE PHOENIX AZ 85042 CVS STORE #08914 50 W JEFFERSON STSUITE 140 PHOENIX AZ 85003 CVS STORE #03625 8245 W THOMAS RD PHOENIX AZ 85033 CVS STORE #06718 5835 W INDIAN SCHOOL RD PHOENIX AZ 85031 CVS STORE #09222 4275 W THOMAS RD PHOENIX AZ 85019 CVS STORE #09225 2406 E THOMAS RD PHOENIX AZ 85016 CVS STORE #03500 1625 N 44TH ST PHOENIX AZ 85008 CVS STORE #09314 3440 W GLENDALE AVE PHOENIX AZ 85051 CVS STORE #09256 3560 W PEORIA AVE PHOENIX AZ 85029 CVS STORE #05778 4040 N 19TH AVE PHOENIX AZ 85015 CVS STORE #06862 1850 W DUNLAP AVE PHOENIX AZ 85021 CVS STORE #07262 18460 N 7TH ST PHOENIX AZ 85022 CVS STORE #08366 1610 E CAMELBACK RD PHOENIX AZ 85016 CVS STORE #07860 1615 E BASELINE
    [Show full text]
  • Tesi Di Laurea Magistrale LE FINTECH ASIATICHE COME
    POLITECNICO DI TORINO Corso di Laurea Magistrale in Ingegneria Gestionale Tesi di Laurea Magistrale LE FINTECH ASIATICHE COME MODELLO DI DIGITALIZZAZIONE PER LE BANCHE ITALIANE Relatore Candidato Prof. Franco Varetto Giovanni Porchetta Anno Accademico 2018/2019 II Abstract In seguito alla crisi mondiale del 2008, il settore finanziario globale è stato protagonista di un forte e continuo trend di crescita, caratterizzato da un crescente utilizzo di soluzioni tecnologiche sempre più innovative e efficienti. È in quest’ottica che si pone il fenomeno del Fintech – o tecnofinanza – che sta sconvolgendo sempre più il mercato finanziario tradizionale, minacciando la solidità e il successo degli incumbent. Obiettivo della tesi è quello di analizzare lo stato di avanzamento del fenomeno in Italia, prendendo come metro di paragone il modello di successo delle principali Fintech del mercato asiatico. A tal proposito, si è cercato di capire - tramite l’espletamento di un’apposita survey - il ruolo assunto da queste società e il modo in cui esse vengono percepite dalle imprese incombenti (sono una reale minaccia al business o potenziali alleati strategici?); inoltre, si è provato a definire le reali possibilità che gli istituti tradizionali italiani hanno di replicare il modello a ecosistema delle principali Big Tech del mercato Asia-Pacifico. I risultati ottenuti sono stati abbastanza chiari e significativi: la maggior parte della popolazione intervistata, infatti, è pienamente d’accordo nel ritenere il Fintech come un fenomeno decisamente rilevante e potenzialmente disruptive per gli incumbent. Circa il 45% dei rispondenti totali, inoltre, suggerisce agli istituti tradizionali di realizzare partnership strategiche con le società Fintech, in modo tale da fronteggiare la loro crescita esponenziale, innovare il proprio modello di business e migliorare la propria offerta di prodotti e servizi per la clientela.
    [Show full text]
  • Where Cash Meets Commerce
    Cardtronics, Inc. 2010 Annual Report and Form 10-K and Form Report Annual 2010 Inc. Cardtronics, Where Cash Meets Commerce Cardtronics 3250 Briarpark Drive, Suite 400 Houston, TX 77042 800.786.9666 cardtronics.com 2010 Annual Report and Form 10-K Corporate Headquarters Cardtronics, Inc. 3250 Briarpark Drive, Suite 400 ‘10 Houston, TX 77042 ‘10 800.786.9666 ‘09 ‘08 ‘09 www.cardtronics.com ‘08 Stock Listing ‘07 Cardtronics, Inc. common stock is listed ‘07 on the NASDAQ Global Market Exchange ‘06 and trades under the ticker symbol CATM. ‘06 Investor Contact Chris Brewster, Chief Financial Officer 832.308.4128 [email protected] 172.8 247.3 358.7 392.4 431.4 $293.6 $378.3 $493.0 $493.4 $532.1 Notice of Annual Meeting Total Transactions Total Revenue The Annual Meeting of Shareholders will be held (in millions) (in millions) at 4:00 p.m. local time on June 15th, 2011 at ‘10 Cardtronics’ headquarters: 3250 Briarpark Drive, ‘09 Suite 400, Houston, TX 77042 ‘06 Transfer Agent ‘07 ‘08 Wells Fargo Shareowner Services 161 North Concord Exchange South St. Paul, MN 55075 800.767.3330 24.6% 22.4% 23.2% 30.2% 32.3% Gross Profit Margin Cautionary Note Regarding Forward-Looking Statements ‘10 ‘10 Except for the historical information and discussions contained herein, statements contained in this annual ‘09 report may constitute “forward-looking statements” within the meaning of the Private Securities Litigation ‘09 Reform Act of 1995. Achieving the results described ‘08 in these statements involves a number of risks, uncertainties and other factors that could cause actual ‘07 results to differ materially, as discussed in Cardtronics’ ‘06 filings with the Securities and Exchange Commission, ‘06 and in the attached Form 10-K.
    [Show full text]