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Strategic positioning of e-commerce business models in the portfolio of corporate banking

机译:电子商务商业模式在企业银行业务组合中的战略定位

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摘要

The emergence of e-commerce leads to a fundamental change for the financial industry. The transition into a digital economy produces numerous new opportunities as well as great risks. B2B e-commerce in particular is considered a promising field for the future. As B2B is very closely related to corporate banking, emerging B2B e-commerce business models should constantly be evaluated to see how they fit into the portfolio of current corporate banking activities. This paper provides a framework for a systematic examination of B2B ecommerce business models and their position in the portfolio of corporate banking. The framework is based on recent work on roles and tasks in business networks. The evaluation of 17 selected business models has been performed by a two-stepapproach which includes interviews with experts and a specific scoring model. The paper indicates that certain business models, like e-marketplaces, seem to be less attractive despite of huge investments of German banks in this field. However, models combining a bank's core competence with new technology offer a high potential in e-commerce activities.
机译:电子商务的出现导致了金融业的根本变化。向数字经济的过渡带来了许多新的机遇和巨大的风险。特别是B2B电子商务被认为是未来的一个有前途的领域。由于B2B与公司银行业务密切相关,因此应不断评估新兴的B2B电子商务业务模型,以了解它们如何适合当前公司银行业务活动。本文为B2B电子商务业务模型及其在公司银行业务组合中的地位提供了系统的研究框架。该框架基于有关业务网络中角色和任务的最新工作。通过以下两种方法对17种选定的业务模型进行了评估,包括与专家的访谈和特定的评分模型。该论文指出,尽管德国银行在该领域进行了大量投资,但某些商业模式(如电子市场)似乎吸引力不大。但是,结合银行核心竞争力和新技术的模型在电子商务活动中具有很大的潜力。

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