Revving The Engines of Online Finance  

Oleh:

Slywotzky, Adrian J.

Jenis: Article from Bulletin/Magazine - ilmiah internasional
Dalam koleksi: Sloan: Management Review vol. 42 no. 4 (2001), page 93.
Topik: ENGINES; revving; engines; online finance

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: SS27.3 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Few industries have more to gain from digital technologies than financial services. After all, finance is a pure bits business, based on the flow of data through billions of transactions. To date, most digital efforts in banking, insurance and brokerage have been directed at developing an online presence with no clear picture of customer benefits, and so this has led to low returns. Customer acquisition costs often exceed online revenues, and, according to research by Mercer Management Consulting, technology spending does not directly affect shareholder value. The lesson here: Technology can enable a successful business but not drive it. The most innovative and successful financial services companies understand that distinction. In Europe, two financial firms stand out for their use of digital technology to improve customer relationships : Marschollek, Lautenschläger und Partner AG (MLP) in Germany and Bankinter in Spain.

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