数字技术能加速房地产交易吗?

IF 1.6 Q3 BUSINESS, FINANCE Journal of Property Investment & Finance Pub Date : 2020-05-19 DOI:10.1108/jpif-09-2019-0131
Andrew Saull, Andrew Baum, Fabian Braesemann
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引用次数: 20

摘要

目的本研究对商业房地产交易延迟的最重要原因进行了结构化调查。它评估了“区块链”、“房地产护照”或“自动估价模型”等数字技术使交易更快、更便宜的潜力。设计/方法/方法作者进行了一次焦点小组访谈,以确定房地产交易的各个步骤和参与方。随后,作者基于对房地产专业人士和PropTech高管的半结构化采访,以及对PropTech公司提供的技术解决方案的全面筛选,讨论了数字技术的前景。发现缺乏最新的、单一的标准化房地产信息库是房地产交易延迟的最关键原因。然而,缓解这一问题的最有希望的技术,特别是汇总所有相关建筑信息的数字财产护照,在采用方面面临着巨大的障碍。到目前为止,房地产行业还不愿意更公开地分享数据,这是成功推出房地产护照的先决条件。此外,免责原则使得漫长的尽职调查过程对买家至关重要。实际意义作者得出结论,全行业的合作对于帮助主要的增效技术突破是必要的。保险产品应随附财产数据日志,以保证所提供数据的质量。原创性/价值本研究考虑了技术在整个房地产交易过程中的潜在影响。它确定了这一进程的主要阶段和相关的瓶颈。作者从行业专家和PropTech高管那里收集了证据,并对比了他们对数字技术消除这些瓶颈的潜力的看法。
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Can digital technologies speed up real estate transactions?
PurposeThis study presents a structured investigation of the most important causes for delay in commercial real estate transactions. It assesses the potential of digital technologies such as “Blockchain”, “Property Passports” or “Automated Valuation Models” to make transactions faster and cheaper.Design/methodology/approachThe authors conduct a focus group interview to identify the individual steps and the parties involved in real estate transactions. Subsequently, the authors discuss the prospects of digital technologies based on semi-structured interviews with real estate professionals and PropTech executives, and a comprehensive screening of technological solutions offered by PropTech firms.FindingsThe lack of an up-to-date, single pool of standardised property information turns out to be the most critical cause for delay in real estate transactions. However, the most promising technologies to mitigate this problem, in particular digital property passports summarising all relevant building information, face substantial barriers to adoption. The real estate industry has so far not been willing to more openly share data, which is a pre-requiste for the successful introduction of property passports. In addition, the principle of caveat emptor makes a lengthy due diligence process essential for buyers.Practical implicationsThe authors conclude that industry-wide collaborations are necessary to help major efficiency gaining technologies to break through. Insurance products should accompany property data log books to guarantee the quality of data provided.Originality/valueThis study considers the potential impact of technologies in the wider context of the complete real estate transaction process. It identifies the major phases of that process and the associated bottlenecks. The authors gather evidence both from industry experts and PropTech executives and contrast their views regarding the potential of digital technologies to remove those bottlenecks.
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来源期刊
CiteScore
3.50
自引率
23.10%
发文量
33
期刊介绍: Fully refereed papers on practice and methodology in the UK, continental Western Europe, emerging markets of Eastern Europe, China, Australasia, Africa and the USA, in the following areas: ■Academic papers on the latest research, thinking and developments ■Law reports assessing new legislation ■Market data for a comprehensive review of current research ■Practice papers - a forum for the exchange of ideas and experiences
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