Advantages and threats of the analyzed business mode
Autor(a) principal: | |
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Data de Publicação: | 2022 |
Tipo de documento: | Dissertação |
Idioma: | eng |
Título da fonte: | Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
Texto Completo: | http://hdl.handle.net/10362/158120 |
Resumo: | This paper analyzes the business model evolution of the European payment system and highlights a consumers’ preference shift towards technology. Digitalization and globalization combined represent key factors that are driving consumers to modify their payment habits to an increased use of apps by neo-banks and payment providers as a new tool to manage individual finances. In addition, consumers’ role in the industry is changing organizations’ decision-making process by driving digital banks to build a more tailored service. Consequently, an analysis of the business model of the industry is presented, followed by recommendations that leverage on maximizing advantages and minimizing threats. |
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Advantages and threats of the analyzed business modePayment systemDigital banksEuropeBusiness modelDigitalizationTraditional banks- fintecDomínio/Área Científica::Ciências Sociais::Economia e GestãoThis paper analyzes the business model evolution of the European payment system and highlights a consumers’ preference shift towards technology. Digitalization and globalization combined represent key factors that are driving consumers to modify their payment habits to an increased use of apps by neo-banks and payment providers as a new tool to manage individual finances. In addition, consumers’ role in the industry is changing organizations’ decision-making process by driving digital banks to build a more tailored service. Consequently, an analysis of the business model of the industry is presented, followed by recommendations that leverage on maximizing advantages and minimizing threats.Okhmatovski, IlyaRUNZanichelli, Letizia2023-09-22T14:20:15Z2023-01-182022-12-162023-01-18T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/158120TID:203314212enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T05:40:24Zoai:run.unl.pt:10362/158120Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:56:59.901537Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse |
dc.title.none.fl_str_mv |
Advantages and threats of the analyzed business mode |
title |
Advantages and threats of the analyzed business mode |
spellingShingle |
Advantages and threats of the analyzed business mode Zanichelli, Letizia Payment system Digital banks Europe Business model Digitalization Traditional banks- fintec Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
title_short |
Advantages and threats of the analyzed business mode |
title_full |
Advantages and threats of the analyzed business mode |
title_fullStr |
Advantages and threats of the analyzed business mode |
title_full_unstemmed |
Advantages and threats of the analyzed business mode |
title_sort |
Advantages and threats of the analyzed business mode |
author |
Zanichelli, Letizia |
author_facet |
Zanichelli, Letizia |
author_role |
author |
dc.contributor.none.fl_str_mv |
Okhmatovski, Ilya RUN |
dc.contributor.author.fl_str_mv |
Zanichelli, Letizia |
dc.subject.por.fl_str_mv |
Payment system Digital banks Europe Business model Digitalization Traditional banks- fintec Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
topic |
Payment system Digital banks Europe Business model Digitalization Traditional banks- fintec Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
description |
This paper analyzes the business model evolution of the European payment system and highlights a consumers’ preference shift towards technology. Digitalization and globalization combined represent key factors that are driving consumers to modify their payment habits to an increased use of apps by neo-banks and payment providers as a new tool to manage individual finances. In addition, consumers’ role in the industry is changing organizations’ decision-making process by driving digital banks to build a more tailored service. Consequently, an analysis of the business model of the industry is presented, followed by recommendations that leverage on maximizing advantages and minimizing threats. |
publishDate |
2022 |
dc.date.none.fl_str_mv |
2022-12-16 2023-09-22T14:20:15Z 2023-01-18 2023-01-18T00:00:00Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10362/158120 TID:203314212 |
url |
http://hdl.handle.net/10362/158120 |
identifier_str_mv |
TID:203314212 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.source.none.fl_str_mv |
reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação instacron:RCAAP |
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Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
instacron_str |
RCAAP |
institution |
RCAAP |
reponame_str |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
collection |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
repository.name.fl_str_mv |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
repository.mail.fl_str_mv |
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1799138153103097856 |