928 resultados para Bank business models


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Paper presented at the Colloquium Gerpisa 2013, Paris (http://gerpisa.org/node/2085), Session n°: 19 New kinds of mobility: old and new business models

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Digital Businesses have become a major driver for economic growth and have seen an explosion of new startups. At the same time, it also includes mature enterprises that have become global giants in a relatively short period of time. Digital Businesses have unique characteristics that make the running and management of a Digital Business much different from traditional offline businesses. Digital businesses respond to online users who are highly interconnected and networked. This enables a rapid flow of word of mouth, at a pace far greater than ever envisioned when dealing with traditional products and services. The relatively low cost of incremental user addition has led to a variety of innovation in pricing of digital products, including various forms of free and freemium pricing models. This thesis explores the unique characteristics and complexities of Digital Businesses and its implications on the design of Digital Business Models and Revenue Models. The thesis proposes an Agent Based Modeling Framework that can be used to develop Simulation Models that simulate the complex dynamics of Digital Businesses and the user interactions between users of a digital product. Such Simulation models can be used for a variety of purposes such as simple forecasting, analysing the impact of market disturbances, analysing the impact of changes in pricing models and optimising the pricing for maximum revenue generation or a balance between growth in usage and revenue generation. These models can be developed for a mature enterprise with a large historical record of user growth rate as well as for early stage enterprises without much historical data. Through three case studies, the thesis demonstrates the applicability of the Framework and its potential applications.

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Tese de Doutoramento em Engenharia Têxtil

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As 2008 came to a close the avalanche of discourse on the demise of newspapers (and traditional media in general) grew to such an extent that consideration of any alternative scenario became almost difficult to utter. Academic articles, conferences, newspaper and magazine features were abundantly produced on thematic variations which went from ‘The End of Newspapers’ to ‘The End of Journalism’ (testing these expressions in a popular search engine we can easily get in excess of 23 thousand references for the first one and over 290 thousand references for the second one and there is even a dedicated ‘Newspaper Death Watch’ site with constant updates). The broad assumption of this production – particularly the one that identifies one possibility with the other – revolves around notions like the collapse of rigid business models, the breakdown of producer/user fidelity/trust, and the failings of a self-centred and entrenched professional (the journalist). The present seems to be enunciated as a ‘the end of days’ period, with images of irrevocable perdition funnelling our reasoning towards one single possible outcome – the imperious necessity of complete reinvention, not necessarily with the same agents.

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La viabilidad de los cibermedios y los modelos de negocio que la sustenten son ya un tema  clásico  de  la  literatura  académica  y  profesional  en  el  ámbito  del  periodismo  electrónico. Consideramos relevante examinar las estrategias de ingresos orientadas al consumidor  de  los  cibermedios  españoles  en  un  contexto  de  madurez  de  la  prensa  digital que contrasta con la aguda crisis económica que vive en estos momentos el país.  Las  conclusiones  de  nuestro  estudio  señalan  la  convivencia  de  dos  modelos  de  negocio diametralmente distintos entre los cibermedios más vistos y de referencia en Internet en España y el establecimiento de estrategias de ‘suma de valor’ en aquellos cibermedios que han establecido sistemas de pago por consumo de contenidos.

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We test hypotheses on the dual role of boards of directors for a sample of large international commercial banks. We find an inverted U shaped relation between bank performance and board size that justifies a large board and imposes an efficient limit to the board’s size; a positive relation between the proportion of non-executive directors and performance; and a proactive role in board meetings. Our results show that bank boards’ composition and functioning are related to directors’ incentives to monitor and advise management. All these relations hold after we control for bank business, institutional differences, size, market power in the banking industry, bank ownership and investors’ legal protection.

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While mobile technologies can provide great personalized services for mobile users, they also threaten their privacy. Such personalization-privacy paradox are particularly salient for context aware technology based mobile applications where user's behaviors, movement and habits can be associated with a consumer's personal identity. In this thesis, I studied the privacy issues in the mobile context, particularly focus on an adaptive privacy management system design for context-aware mobile devices, and explore the role of personalization and control over user's personal data. This allowed me to make multiple contributions, both theoretical and practical. In the theoretical world, I propose and prototype an adaptive Single-Sign On solution that use user's context information to protect user's private information for smartphone. To validate this solution, I first proved that user's context is a unique user identifier and context awareness technology can increase user's perceived ease of use of the system and service provider's authentication security. I then followed a design science research paradigm and implemented this solution into a mobile application called "Privacy Manager". I evaluated the utility by several focus group interviews, and overall the proposed solution fulfilled the expected function and users expressed their intentions to use this application. To better understand the personalization-privacy paradox, I built on the theoretical foundations of privacy calculus and technology acceptance model to conceptualize the theory of users' mobile privacy management. I also examined the role of personalization and control ability on my model and how these two elements interact with privacy calculus and mobile technology model. In the practical realm, this thesis contributes to the understanding of the tradeoff between the benefit of personalized services and user's privacy concerns it may cause. By pointing out new opportunities to rethink how user's context information can protect private data, it also suggests new elements for privacy related business models.

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El propósito de este documento es adentrarnos en los nuevos modelos de negocio basados en las tecnologías Cloud Computing con el objetivo de consolidar nuevos conocimientos complementarios a los estudios de ingeniería informática. Se quiere realizar un estudio de productos open-source basados en un modelo de servicio como infraestructura (IaaS), y, implementarlos desde la vertiente más práctica.

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El objetivo del presente Trabajo Final de Carrera ha consistido en realizar un estudio de investigación sobre estrategias comerciales aplicables en la gestión de proyectos, con el fin de identificar y proponer estrategias de gestión para el desarrollo e implementación de estrategias comerciales que posibiliten la reducción de costes y creación de nuevos modelos comerciales que permitan maximizar el retorno de inversión en proyectos de índole tecnológica. El estudio ha tratado las diversas áreas funcionales y de conocimiento que convergen en la gestión económica y financiera de un proyecto: (1) El área de Marketing y la concepción del plan estratégico. (2) La gestión y control de costes. (3) La gestión del suministro y compras. (4) El plan comercial de ventas. (5) La estrategia y gestión de un proyecto. En definitiva el presente proyecto representa un estudio de rigor de las áreas funcionales y del conocimiento que aquí se citan, así como sus implicaciones a lo largo del ciclo de vida de un proyecto.

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The decision to publish educational materials openly and under free licenses brings up the challenge of doing it in a sustainable way. Some lessons can be learned from the business models for production, maintenance and distribution of Free and Open Source Software. The Free Technology Academy (FTA) has taken on these challenges and has implemented some of these models. We briefly review the FTA educational programme, methodologies and organisation, and see to which extent these models are proving successful in the case of the FTA.

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Compare and contrast foundation funded OER with taxpayer funded OER in terms of global vs. local goals, licensing options, use cases, and outcomes.

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Movie distribution on the Internet has become more common in recent years along with fast broadband internet connections. The problem so far has been that the greatest part of movie distribution on the Internet has been illegal. This is about to change because the major film distributors are finally starting to rent and sell movies more and more on the Internet due to their growing confidence in new copy protection methods. The importance of movie online distribution to the movie industry is still tiny but it is increasing rapidly as is investing in new business models and distribution methods in the USA and Europe. This thesis examines the basic concepts of online movie distribution, such as distribution techniques and copy protection, the main companies that rent and sell movies on the internet and their business models, the effects of movie piracy and non-commercial distribution channels. The intention was to provide the reader with an overview of different aspects of movie distribution on the Internet and its future. The conclusion was that movie distribution on the Internet will play a bigger financial part in the future although it was still too early to say just how significant that will be. We will probably see many corresponding distribution techniques, like peer-to-peer networks and streaming servers distributing and broadcasting movies to different end-user platforms like television, PC and portable media players. Internet distribution of movies will not revolutionize movie distribution in the next couple of years but it will make possible new efficient and inexpensive ways to distribute movies globally which will in turn increase the possibilities for revenue, especially for small independent movie producers and distributors.

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Aquest projecte intenta donar una alternativa al software privatiu, fent servir el software lliure, i per aconseguir aquest objectiu es crea una distribució GNU/Linux adaptada a les necessitats del institut IES Sabadell. També es realitza un petit estudi dels dos tipus de software, lliure i privatiu, en que es mostrà la historia, tipus de llicències, models de negoci i les avantatges que tenen.

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New and alternative scientific publishing business models is a reality driven mostly by the information and communication technologies, by the movements towards the recovery of control of the scientific communication activities by the academic community, and by the open access approaches. The hybrid business model, mixing open and toll-access is a reality and they will probably co-exist with respective trade-offs. This essay discusses the changes driven by the epublishing and the impacts on the scholarly communication system stakeholders' interrelationships (publishers-researchers, publishers-libraries and publishers-users interrelationships), and the changes on the scientific publishing business models, followed by a discussion of possible evolving business models. Whatever the model which evolves and dominates, a huge cultural change in authors' and institutions publishing practices will be necessary in order to make the open access happen and to consolidate the right business models for the traditional publishers. External changes such as policies, rewarding systems and institutions mandates should also happen in order to sustain the whole changing scenario.

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Työn tavoitteena oli selventää innovaatioketjun alkupään liittyviä keskeisiä käsitteitä, menetelmiä ja toimintamalleja sekä laatia innovaation alkupään ja kyvykkyyden arviointi- ja johtamismallit. Innovaatio on määritelmänsä mukaisesti uusi keksintö, joka on sovellettu käytäntöön ja se luo yritykselle lisäarvoa. Innovaatio on uusi malli, käytäntö tai konsepti, joka muuttaa vallitsevia käytäntöjä siten, että teknologinen ja taloudellinen suorituskyky paranee. Keskeinen kysymys on kirkastaa sumea etupää (Fuzzy Front End) uusiksi liiketoiminta-mahdollisuuksiksi. Innovaation tietolähteet: hiljaiset signaalit, trendit, kilpailija- ja asiakastieto, nousevat uudet teknologiat, tuotepalaute sekä tutkimus-, patentti- ja lisensiointi-informaatio, tarjoavat yrityksille mahdollisuuksia mm. tuote-, prosessi-, palvelu- ja liiketoimintainnovaatioksi. Tulevaisuuden näkeminen alkaa tietämisestä miten hallitsemme signaaleita, jotka ovat olemassa tänään, mutta niitä ei ole tunnistettu. Taitavissa innovaatioyrityksissä tulevaisuuden etsiminen on avainprioriteetti. Mullistavia uusia teknologioita otetaan käyttöön kaikilla teollisuuden aloilla. Näitä mahdollisuuksia on jatkuvasti ja systemaattisesti monitoroitava ja hyödynnettävä. Innovaatiot ja luovuus liittyvät läheisesti toisiinsa. Yrityksen innovatiivisuuden kehittämiseen liittyy sekä organisaatio- että yksilötason jatkuvaa kehittämistä. Yksilöt ovat organisaatiossa ideoiden lähde, mutta sen kehittäminen innovaatioksi on koko organisaation vastuulla. Innovatiivinen organisaatio on aina myös luova, koska luovuus on innovaation lähde. Luovuuden avulla tuotetaan uusia ja hyödyllisiä ideoita ja toimeenpanokyky sisältää ideoiden kehittämisen ja hyödyntämisen liiketoiminnassa. Innovaatiot edellyttävät myös uutta ajattelua. Rationaalinen ajattelu on jopa innovatiivisuuden este. Ajattelukyvykkyyden kehittäminen johtaa tutkimuksien mukaan tehokkaampaan kommunikointiin ja tuloksekkaampaan tiimityöhön. Innovaatiot syntyvät usein vuorovaikutuksessa poikkiorganisatorisissa tiimeissä Innovaatiot eivät synny sattumalta vaan johtamisen tuloksena. Luovuuden ja kyvykkyyksien johtaminen on innovatiivisen organisaation peruselementtejä. Innovaatiokyvykkyyden osatekijöitä ovat innovaation tietolähteiden hyödyntäminen, toimialan osaaminen, innovaatioita tukevat johtamis- ja tietojärjestelmät, innovaatiokulttuuri, prosessilähtöisyys ja dynaaminen kyvykkyys. Innovaatioiden johtaminenon strategialähtöistä, innovaatioprosessien implementointia, työkalujen ja menetelmien hallintaa sekä innovatiivisuuden kehittämistä.