Business Ecosystem Change in Financial Services – Case Study

The thesis explores how the business ecosystem of financial services has changed and what its drivers of change are. Existing literature in the field of financial industry is concerned with financial innovations and their features, determinants and factors, but also with how to organize innovation activities such as open innovation principles. Thus, there is a clear need for understanding changes in financial service ecosystem. First, the comprehensive theory framework is conducted in order to serve the reader’s necessary understanding of basic theoretical concepts that are related to ecosystem changes. Second, the research is carried out by using qualitative research methods; the data is collected by interviewing 11 experts from the field of financial services in Finland. According to the results of this thesis, the most significant changes in the financial service ecosystem are the new market players. They have increased competition, created new courses of action, set new requirements for financial services, and first and foremost, they have shifted customers into the heart of the whole ecosystem. These new market players have a willingness to cooperate with external partners, which means a shift towards the world of open innovation. In addition, the economic environment has changed which has resulted in tighter regulation for incumbents making them even unyielding. Technology change, together with digitalization, has lead new financial innovations and new digital service channels, which have challenged the traditional business models in the financial industry. They have improved transparency, openness and efficiency, but also lead to the fragmentation of financial services. Thus, customers search for financial services from different sources and different service providers, and finally combine them into a coherent whole, which meets their own needs. The change of customers’ behavior and social environment has enabled and boosted these changes in the financial ecosystem. All in all, the change of the financial ecosystem is not a result of one or a few change forces, but instead it is a combination of many different factors.

They Do Things Differently There. Essays on Cultural History

This collection of Finnish essays in cultural history will be revelatory for anglophone readers. Pioneering in the study of cultural history as early as the nineteenth century, by the 1930s Finnish scholars already deployed the broad conception of 'culture' as embracing 'everyday life' that is usually thought of as emerging in the work of Raymond Williams decades later. These essays emanate from the Department of Cultural History, established at the University of Turku in 1972, and its partner department at the University of Lapland. The collection signals new genealogies of cultural historiography in general, and in its distinctively Finnish inflections.

Yritysvastuuraporttien varmennusraporttien kehitys 2002 - 2013

Tämän pro gradu – tutkielman tavoitteena oli ymmärtää ja kuvata, kuinka yritysvastuura-porttien varmennusraportit ovat muuttuneet tarkasteluajanjaksolla vuosina 2002 – 2013 sekä kuinka varmennuksen antaja voi vaikuttaa annettaviin varmennusraportteihin. Aikaisemmissa tutkimuksissa on todettu, että pienilläkin eroilla varmennusraporteissa voi olla suuri vaikutus niiden tulkintaan. Tämän tutkimuksen tavoitteena oli lisätä ymmärrystä siitä, millaista vaihtelua raporteissa on ollut eri ajanjaksojen ja varmentajien välillä, ja millainen vaikutus tällä on raportin lukijan kannalta. Tutkimus on toteutettu laadullisen menetelmin, ja tutkimusmenetelmänä on käytetty kvantitatiivista sisällönerittelyä ja laadullista sisältöanalyysiä. Empiirisen aineiston muodostivat 16 yrityksen yritysvastuuraporteille tilintarkastajan antamat varmennusraportit, joita tarkasteluajanjaksolla oli yhteensä 67 kappaletta. Varmennusraportit kerättiin yritysten internetsivuilta.   Tutkimuksen perusteella varmennusraportit ovat monin tavoin standardisoituneet tarkasteluajanjaksolla. Merkittävä vaikutus varmennusraportteihin on ollut ISAE3000-standardien voimaantulolla, koska ne määrittävät melko tarkasti, kuinka varmennus tulee suorittaa sekä millainen varmennusraportti suoritetun työn perusteella tulee antaa. Jotkut raportit osat ovat sisällöltään samanlaisia varmentajasta riippumatta, mutta toiset osat vaihtelivat paljon varmentajasta riippuen. Eroja oli niin raportissa käytetyissä sananmuodoissa kuin itse sanoman sisällössäkin. Jossain kohdin, kuten varmennusraporttien johtopäätöksissä, oli kuitenkin havaittavissa, että vaikka standardi ei sinänsä määritä, mistä asioista johtopäätös tulee antaa, oli tässä tapahtunut ns. luonnollinen standardoituminen eri varmentajien välillä.

Quest/ion of Identities in African American Feminist Postmodern Drama: A Study of Selected Plays by Suzan-Lori Parks

Innovative and unconventional, Pulitzer Prize-winning playwright Suzan-Lori Parks belongs to the continuum of African American playwrights who have contributed to the quest/ion – the quest for and question – of identities for African Americans. Her plays are sites in which the quest/ion of identities for African Americans is pursued, raised and enacted. She makes use of both page and stage to emphasize the exigency of reshaping African Americans’ identities through questioning the dominant ideologies and metanarratives, delegitimizing some of the prevailing stereotypes imposed on them, drawing out the complicity of the media in perpetuating racism, evoking slavery, lynching and their aftereffects, rehistoricizing African American history, catalyzing reflections on the various intersections of sex, race, class and gender orientations, and proffering alternative perspectives to help readers think more critically about issues facing African Americans. In my dissertation, I approach three plays by Parks – The Death of the Last Black Man in the Whole Entire World (1990), Venus (1996) and Fucking A (2000) – from the standpoints of postmodern drama and African American feminism with a focus on the terrains that reflect the quest/ion of identities for African Americans, especially African American women. I argue that postmodern drama and African American feminism provide the ground for Parks to promote the development of a political agenda in order to call into question a number of dominant ideologies and metanarratives with regard to African Americans and draw upon the roles of those metanarratives as a powerful apparatus of racial and sexual oppressions. I also explore how Parks engages with postmodern drama and African American feminism to incorporate her own mininarratives in the dominant discourses. I argue that Parks in these plays uses postmodern drama and African American feminism to encourage reflections on intersectionality in order to reveal the concerns of African Americans, particularly African American women. Her plays challenge the dominant order of hierarchy and patriarchy, while in some cases urging unity and solidarity between African American men and women by showing how unity and solidarity can help them confront race, class and gender oppressions. Furthermore, I discuss how the utilization of postmodern techniques and devices helps Parks to transform the conventional features of playwriting, to create incredulity toward the dominant systems of oppression and to incorporate her mininarratives within the context of dominant discourses.