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Two-dimensional analysis of customer behavior in traditional and electronic banking 传统银行和电子银行客户行为的二维分析
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100030
Maryam Hosseini , Neda Abdolvand , Saeedeh Rajaee Harandi

The explosive growth of information technology has encouraged organizations to use new technologies in all areas. These changes are also visible in the banking industry. In this situation, customers have used both electronic and traditional services, and each has its own features. According to expectancy-value theory, customer value and expectations both affect customer buying behavior and should be considered by banking managers in designing their strategies. Better understanding of these features will help banks to provide customers with the services they need and, as a result, maintain them. Hence, using expectancy-value theory as a framework this study proposed a two-dimensional approach to examine the customers' behavior in both electronic and traditional banking in Iran. To this end, the data of one-year transactions of XYZ bank (one of the largest private banks of Iran) customers, consisting of one million records, was used and customers were clustered using the RFM model - recency, frequency, and monetary. The CRISP-DM methodology was used to extract knowledge from customer data and the K-Mean algorithm was used for clustering. Customer lifetime value was also calculated using Lawshe criteria. According to the results, customers who use both electronic and traditional bank services are more valuable. The two-dimensional approach proposed and provides a two-sided view of the customer, and thereby provides a more comprehensive knowledge and understanding of customer behavior, and contributes to the body of literature in this field. Using the proposed model, different banks can better classify their customers and can provide the right product / service to the right person.

信息技术的爆炸性增长鼓励组织在所有领域使用新技术。这些变化在银行业也很明显。在这种情况下,客户既使用了电子服务,也使用了传统服务,每种服务都有自己的特点。根据期望价值理论,顾客价值和顾客期望都影响着顾客的购买行为,这是银行管理者在制定策略时应该考虑的因素。更好地了解这些特性将有助于银行为客户提供他们所需的服务,从而维护这些服务。因此,本研究以期望值理论为框架,提出了一种二维方法来考察伊朗电子银行和传统银行的客户行为。为此,使用了XYZ银行(伊朗最大的私人银行之一)客户的一年期交易数据(由100万条记录组成),并使用RFM模型(近期、频率和货币)对客户进行了聚类。使用CRISP-DM方法从客户数据中提取知识,并使用K-Mean算法进行聚类。客户终身价值也使用Lawshe标准计算。结果显示,同时使用电子和传统银行服务的客户更有价值。二维方法提出并提供了客户的双面视图,从而提供了对客户行为的更全面的认识和理解,并有助于该领域的文献主体。使用所提出的模型,不同的银行可以更好地对客户进行分类,并可以向合适的人提供合适的产品/服务。
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引用次数: 5
Enhanced digital transformation supporting capabilities through enterprise architecture management: A fsQCA perspective 通过企业架构管理增强的数字转换支持能力:fsQCA视角
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100036
Maurice Pattij, Rogier van de Wetering, Rob Kusters

The rapid development of novel, innovative digital technologies significantly impact organizations and their business ecosystem. Organizations must stay abreast of the latest developments and respond to them continuously to remain competitive. Many organizations make significant investments in enterprise architecture management (EAM) to manage the transformation of their complex information technology (IT) and information systems (IS) landscape and to guide their digital transformation. However, empirical research on EAM benefit realization is limited. This research conceptualized EAM as a particular type of dynamic managerial capability. Survey data (N = 110) was used in a set-theoretic approach (fsQCA) to identify EAM configurations that lead to a presence of technical IT capabilities and strategic IT alignment. The results indicate the importance of system changes induced by the EAM function itself to improve technical IT capabilities. Furthermore, setting up clear standards and rules, and developing and planning the migration to target architectures is particularly important to align business and IT in larger organizations. This research contributes to the academic knowledge base on EAM benefit realization and supports the needed reconceptualization and evolution of EA and EAM to better support organizations' digital transformations. Furthermore, the outcomes can help decision-makers justify and guide their EA investments while implementing a digital strategy.

新颖、创新的数字技术的快速发展对组织及其商业生态系统产生了重大影响。组织必须跟上最新的发展,并不断对其作出反应,以保持竞争力。许多组织在企业架构管理(EAM)上进行了大量投资,以管理其复杂信息技术(IT)和信息系统(IS)的转换,并指导其数字化转换。然而,关于EAM效益实现的实证研究有限。本研究将EAM概念化为一种特殊类型的动态管理能力。调查数据(N = 110)在集合理论方法(fsQCA)中使用,以确定导致技术IT能力和战略IT一致性存在的EAM配置。结果表明,由EAM功能本身引起的系统变化对提高技术IT能力的重要性。此外,建立清晰的标准和规则,以及开发和计划向目标体系结构的迁移,对于使大型组织中的业务和IT保持一致是特别重要的。本研究有助于建立EAM效益实现的学术知识库,并为企业架构和EAM的重新概念化和演进提供必要的支持,以更好地支持组织的数字化转型。此外,结果可以帮助决策者在实施数字战略时证明并指导他们的EA投资。
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引用次数: 10
Developing network effects for digital platforms in two-sided markets – The NfX construction guide 在双边市场中发展数字平台的网络效应——NfX建设指南
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100044
Nedo Bartels, Anna Schmitt

Context

What do Uber Ride, Airbnb Lodging, and eBay Marketplace have in common? All three platform business models generate extensive network effects (NfX) between providers and consumers. Network effects are the magic force that turns a single taxi service agency into a provider for an entire mobility market.

Objective

The goal of this paper is to present an approach, namely the NfX Construction Guide, that enables the design of virtuous circles of network effects in two-sided markets for platform business models.

Method

The research design we used to develop the NfX Construction Guide is inspired by action research and follows a technical action research method, by exploring the guide's applicability in a real-world project of a digital platform for smart rural areas.

Contribution

The contribution of this paper is an approach, validated with ecosystem experts, that enables practitioners to design virtuous cycles of network effects for platform business models. Our results are summarized in reflective learnings about the applicability of the proposed approach.

Uber Ride、Airbnb Lodging和eBay Marketplace有什么共同之处?所有三种平台商业模式都在提供商和消费者之间产生了广泛的网络效应(NfX)。网络效应是一种神奇的力量,它能把一家出租车服务机构变成整个移动市场的供应商。本文的目标是提出一种方法,即NfX构建指南,使平台商业模式能够在双边市场中设计网络效应的良性循环。方法我们开发NfX建设指南的研究设计受到行动研究的启发,并遵循技术行动研究方法,通过探索指南在智慧农村数字平台实际项目中的适用性。本文的贡献是一种方法,经过生态系统专家的验证,使从业者能够为平台商业模式设计网络效应的良性循环。我们的结果总结在反思性学习关于提出的方法的适用性。
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引用次数: 1
The sales effect of “Free App of the Day” on Amazon Appstore: An empirical study “每日免费应用”在亚马逊Appstore的销售效果:实证研究
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2021.100020
Hong Chen , Kevin Lachaud , Wenqi Zhou

This study aims to understand the impact of the “Free App of the Day” (FAD) promotion on app sales during the post-promotion period on Amazon Appstore. The FAD promotion spotlights a single paid app by presenting it on the frontpage of Appstore, offers the app free of charge for one day, and broadcasts the promotion through Amazon's social media channels. This digital marketing strategy differs from the commonly adopted digital free sampling and sponsorship practices. In this study, we empirically examine its potential negative effect by analyzing a panel data set of FAD app sales and reviews. We find evidence that, when the app promotion expires, the price rebounding to the pre-promotion level discourages online customers from purchasing the app. We also observe an elevated amount of promotion-induced reviews generated at a high velocity during early days of the post-promotion. We conclude that these promotion-induced reviews are less influential than organic reviews.

本研究旨在了解“每日免费应用”(FAD)促销对亚马逊Appstore推广后应用销售的影响。FAD的促销活动通过在Appstore的首页展示单个付费应用,并在一天内免费提供该应用,并通过亚马逊的社交媒体渠道进行宣传。这种数字营销策略不同于通常采用的数字免费抽样和赞助做法。在本研究中,我们通过分析FAD应用销售和评论的面板数据集来实证检验其潜在的负面影响。我们发现,当应用推广结束后,价格反弹到推广前的水平,会阻碍在线用户购买应用。我们还观察到,在推广后的早期,大量由推广引起的评论以高速度产生。我们得出结论,这些促销诱导的评论比有机评论的影响力小。
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引用次数: 3
Blockchain in the supply chain – A comprehensive framework for theory-driven research 供应链中的区块链——理论驱动研究的综合框架
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100043
Wafaa A.H. Ahmed, Bart L. MacCarthy

The growing interest in applying blockchain technology in the supply chain management (SCM) calls for theory-driven research to develop better understanding of its adoption, deployment and use, and its implications for the supply chain. However, theory-based research on blockchain in the supply chain is scarce. There is a lack of guidance on the range of theories that can be used to further develop this emerging field. We address this need in this study. We draw on the existing literature to develop a comprehensive list of factors and barriers influencing blockchain applications in the supply chain and identify relevant theoretical perspectives that can be used in blockchain-SCM research. We develop a framework for theory-driven research encompassing four important facets of blockchain-SCM studies - intra-organizational, inter-organizational, technical, and external environment. We present a range of theoretical perspectives that can be used, alone or in combination, to advance theory development in each area of study as the pace of blockchain adoption in the supply chain increases.

随着人们对在供应链管理(SCM)中应用区块链技术的兴趣日益浓厚,需要进行理论驱动的研究,以更好地理解区块链的采用、部署和使用,以及它对供应链的影响。然而,基于理论的供应链区块链研究却很少。对于可以用来进一步发展这一新兴领域的理论范围,缺乏指导。我们在这项研究中解决了这一需求。我们借鉴现有文献,制定了影响供应链中区块链应用的因素和障碍的综合列表,并确定了可用于区块链-供应链管理研究的相关理论观点。我们为理论驱动的研究开发了一个框架,涵盖了区块链供应链管理研究的四个重要方面——组织内、组织间、技术和外部环境。我们提出了一系列理论观点,这些观点可以单独或结合使用,随着供应链中区块链采用速度的加快,促进每个研究领域的理论发展。
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引用次数: 8
Ecosystems and supply chains: How do they differ and relate 生态系统和供应链:它们之间的区别和联系
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100029
Hervé Legenvre , Ari-Pekka Hameri , Ruggero Golini

While digital transformations are taking place, we still have limited understanding as to how ecosystems and supply chains differ from a theoretical standpoint and how they relate practically. We study the evolution of the concept of ecosystems through a systematic review of the literature to describe how the two concepts relate throughout this evolution. We use cases to investigate how ecosystems and supply chains relate practically. We show that non-contractual governance in a supply chain facilitates investment in specific assets by a few key suppliers, while non-contractual governance in an ecosystem facilitates the creation of collective shared assets by many ecosystem participants. We also show that practically supply chains and ecosystems can either compete or complement each other and we present some of the conditions for the emergence of such relations.

虽然数字化转型正在发生,但从理论角度来看,我们对生态系统和供应链的区别以及它们在实践中的关系的理解仍然有限。我们通过对文献的系统回顾来研究生态系统概念的演变,以描述这两个概念在整个演变过程中的关系。我们用案例来调查生态系统和供应链之间的实际关系。我们表明,供应链中的非契约式治理促进了少数关键供应商对特定资产的投资,而生态系统中的非契约式治理促进了许多生态系统参与者创造集体共享资产。我们还表明,实际上供应链和生态系统可以相互竞争或互补,我们提出了这种关系出现的一些条件。
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引用次数: 5
Adoption of contactless technologies for remote work in Ghana post-Covid-19: Insights from technology-organisation-environment framework 后covid -19时代加纳采用非接触式远程工作技术:来自技术-组织-环境框架的见解
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100023
Kingsley Ofosu-Ampong, Bryan Acheampong

The Covid-19 outbreak in early 2020 has changed people's way of life, work and access to information. This has led to the growth of contactless digital technologies for customers' and organisations' benefit. In this context, one specific area of interest is the remote work environment, especially the introduction of remote work systems (RWS) in organisations. Notwithstanding its growing importance, RWS implementation in developing countries has experienced several challenges. Thus, the purpose of this study is to empirically investigate the antecedents of RWS adoption in organisations among different industries in a developing country context. Using the technology, organisation and environment (TOE) framework, the study unearths the RWS antecedents through a quantitative method design (353 participants) in Ghana. Relative advantage, complexity, organisational readiness and competitive advantage had a significant impact on contactless digital technologies adoption while compatibility, top management support, competence and regulatory support were insignificant antecedents in a developing country context. Our study highlights the important role of RWS adoption factors in propelling users' interest in future innovations and new technologies. A successful convergence of the validated TOE factors would advance organisation's services, change traditional business models and transform business operations and social lives.

2020年初的新冠肺炎疫情改变了人们的生活、工作和获取信息的方式。这导致了非接触式数字技术的发展,为客户和组织带来了利益。在这种情况下,一个特别值得关注的领域是远程工作环境,特别是在组织中引入远程工作系统(RWS)。尽管RWS越来越重要,但在发展中国家实施RWS遇到了一些挑战。因此,本研究的目的是实证调查在发展中国家背景下不同行业的组织采用RWS的前因。利用技术、组织和环境(TOE)框架,该研究在加纳通过一项定量方法设计(353名参与者)揭示了RWS的前因。相对优势、复杂性、组织准备和竞争优势对非接触式数字技术的采用产生了重大影响,而兼容性、高层管理支持、能力和监管支持在发展中国家的背景下是微不足道的先决条件。我们的研究强调了RWS采用因素在推动用户对未来创新和新技术的兴趣方面的重要作用。有效的TOE因素的成功融合将促进组织的服务,改变传统的商业模式,改变商业运营和社会生活。
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引用次数: 7
Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory 探讨印度采用统一支付接口的决定因素:基于创新扩散理论的研究
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100040
Fahad, Mohammad Shahid

The Unified Payment Interface (UPI) platform emerged as the most advanced mobile-based payment system in the recent past that could be established to have significant value to customers and banks in India. UPI was designed to offer ubiquitous availability at all times, efficiency, ease of use, and transparency to its user. Despite these attractive features and the massive rise of internet and smartphone users, the number of UPI users has not shown significant growth as expected. To better examine the problem, it is crucial to know the factors influencing the UPI adoption, usage, and intention to recommend by the existing customers. Earlier research on UPI has mainly focused on its operations only. In this study, we have shifted focus on determinants of adoption of UPI by Indian customers based on the Diffusion of Innovation (DOI) theory to achieve a specific result on usage and recommendation intentions. The result of the study revealed that relative advantage, complexity, and observability which are the main determinants of adoption of UPI, have a significant positive association with the intention to use of users. Further, higher intention to use and satisfaction positively correlates with the recommendation of UPI by existing users. Overall, the study model helps understand how different aspects of UPI influence the usage and recommendation intentions.

统一支付接口(UPI)平台是最近出现的最先进的移动支付系统,可以建立对印度的客户和银行具有重大价值。UPI旨在为其用户提供无处不在的可用性、效率、易用性和透明度。尽管有这些吸引人的功能,互联网和智能手机用户也在大量增加,但UPI用户的数量并没有像预期的那样出现显著增长。为了更好地检查问题,了解影响现有客户推荐的UPI采用、使用和意图的因素是至关重要的。早期对UPI的研究主要集中在其业务上。在本研究中,我们将重点转移到基于创新扩散(DOI)理论的印度客户采用UPI的决定因素上,以获得关于使用和推荐意图的具体结果。研究结果表明,相对优势、复杂性和可观察性是采用UPI的主要决定因素,它们与用户的使用意图有显著的正相关。此外,较高的使用意愿和满意度与现有用户对UPI的推荐呈正相关。总体而言,该研究模型有助于理解UPI的不同方面如何影响使用和推荐意图。
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引用次数: 12
Trust and the sharing economy 信任和共享经济
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100048
Louise Pelgander , Christina Öberg , Louise Barkenäs

Trust is intimately connected with relational interactions, but does it also have a role to play in transactional exchanges? How would it differ? While trust has been discussed extensively in sharing economy research, the focus has been on trust cues created in exchanges between strangers, thereby approaching trust empirically rather than theoretically. Focusing on user trust, this paper investigates how trust constructs from relational interactions manifest in the sharing economy. This paper bridges sharing economy research with trust as a theoretical construct to investigate the well-established variables of ability, benevolence and integrity as components of trust in the sharing economy. The paper is based on a questionnaire survey of 175 users of Uber's co-driving service UberPop. Descriptive and regression analyses were conducted focusing on user trust in the platform and providers. The findings indicate how trust in transactional exchanges is shaped differently compared with trust in relational interactions. User trust in providers, which diminishes over time, is based on emotional traits, while user trust in the platform is based on functional components. The platform and providers thereby complement each other in terms of the trust created. This paper contributes to research on trust by focusing on trust in transactional exchanges, and to research on the sharing economy by investigating trust based on theoretical constructs.

信任与关系互动密切相关,但它在交易交换中也发挥作用吗?有什么不同?虽然信任在共享经济研究中得到了广泛的讨论,但重点一直放在陌生人之间的交流中产生的信任线索上,因此从经验上而不是理论上接近信任。本文以用户信任为研究对象,探讨了共享经济中关系交互构建的信任是如何体现的。本文将共享经济研究与信任作为理论建构的桥梁,探讨共享经济中作为信任组成部分的能力、仁爱和诚信这三个已确立的变量。这篇论文是基于对175名Uber共享驾驶服务UberPop用户的问卷调查。对用户对平台和供应商的信任进行了描述性和回归分析。研究结果表明,与关系互动中的信任相比,事务性交流中的信任是如何形成不同的。用户对供应商的信任随着时间的推移而减少,这是基于情感特征的,而用户对平台的信任是基于功能组件的。因此,平台和提供者在创建信任方面相互补充。本文通过对交易交易中的信任进行研究,有助于对信任的研究;通过对基于理论构建的信任进行研究,有助于对共享经济的研究。
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引用次数: 3
From intuitive to data-driven decision-making in digital transformation: A framework of prevalent managerial archetypes 数字化转型中从直觉到数据驱动的决策:一个流行的管理原型框架
Pub Date : 2022-01-01 DOI: 10.1016/j.digbus.2022.100045
Philipp Korherr , Dominik K. Kanbach , Sascha Kraus , Patrick Mikalef

The use of analytics in corporate decision-making processes demands a paradigm shift within companies, and particularly among their top executives. Corporate leaders represent a major lever for this change. Therefore, a deeper understanding of their managerial capabilities, characteristics and contribution in this context is required. Aiming to provide actionable guidance on how to manage the shift to data-driven decision making, this study helps to develop a more profound understanding of this emerging managerial role by examining managerial success factors following a semi-structured interview approach. With insights from interviews with 32 top executives from Germany across different industries, this paper research proposes four managerial archetypes that are relevant to mastering the digital transformation towards analytics-based decision-making processes. Furthermore, it sheds light on the characteristics, capabilities, and contributions of the four archetypes—Analytical Thinker, Coach, Guide, and Strategist. Although the archetypes have differentiated attributes and qualities, all four seem of importance in manifesting analytics in organizations. Our findings provide guidelines to assess the top management's abilities to manage digital transformation projects. Furthermore, the results serve as basis for future empirical research on the human aspect of analytical capabilities regarding leadership.

在公司决策过程中使用分析需要公司内部,特别是高层管理人员的范式转变。企业领导人是推动这一变革的主要杠杆。因此,需要更深入地了解它们在这方面的管理能力、特点和贡献。旨在为如何管理向数据驱动决策的转变提供可操作的指导,本研究通过采用半结构化访谈方法检查管理成功因素,有助于对这一新兴管理角色有更深刻的理解。通过对来自德国不同行业的32位高管的采访,本文研究提出了四种管理原型,这些原型与掌握向基于分析的决策过程的数字化转型相关。此外,它还揭示了分析型思考者、教练、引导者和战略家这四种原型的特征、能力和贡献。尽管原型具有不同的属性和质量,但在组织中显示分析时,这四种原型似乎都很重要。我们的研究结果为评估高层管理人员管理数字化转型项目的能力提供了指导方针。此外,研究结果为未来对领导力分析能力的人的方面的实证研究提供了基础。
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引用次数: 6
期刊
Digital Business
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