TY - JOUR A1 - Pousttchi, Key A1 - Gleiß, Alexander T1 - Surrounded by middlemen - how multi-sided platforms change the insurance industry JF - Electron Markets N2 - Multi-sided platforms (MSP) strongly affect markets and play a crucial part within the digital and networked economy. Although empirical evidence indicates their occurrence in many industries, research has not investigated the game-changing impact of MSP on traditional markets to a sufficient extent. More specifically, we have little knowledge of how MSP affect value creation and customer interaction in entire markets, exploiting the potential of digital technologies to offer new value propositions. Our paper addresses this research gap and provides an initial systematic approach to analyze the impact of MSP on the insurance industry. For this purpose, we analyze the state of the art in research and practice in order to develop a reference model of the value network for the insurance industry. On this basis, we conduct a case-study analysis to discover and analyze roles which are occupied or even newly created by MSP. As a final step, we categorize MSP with regard to their relation to traditional insurance companies, resulting in a classification scheme with four MSP standard types: Competition, Coordination, Cooperation, Collaboration. KW - Multi-sided platforms KW - Insurance industry KW - Value network KW - Digitalization KW - Customer ownership Y1 - 2019 U6 - https://doi.org/10.1007/s12525-019-00363-w SN - 1019-6781 SN - 1422-8890 VL - 29 IS - 4 SP - 609 EP - 629 PB - Springer CY - Heidelberg ER - TY - JOUR A1 - Pousttchi, Key A1 - Dehnert, Maik T1 - Exploring the digitalization impact on consumer decision-making in retail banking JF - Electronic Markets N2 - Retail banking has undergone a massive transformation in the last few years. A major aspect is changing consumer behavior. The aim of the paper is to better understand retail banking consumers regarding the impact of digitalization. Consequently, we acquired online consumer review data from Germany, the UK and US. We analyzed the data using coding techniques of grounded theory, supported by interdisciplinary literature to identify and categorize the relevant influence factors. The outcome of the paper is an integrated model of consumer decision-making in today’s retail banking along with four detailed partial models of the respective decision stages. KW - Digitalization KW - Retail banking KW - Consumer behavior KW - Decision KW - Choice KW - FinTech Y1 - 2018 U6 - https://doi.org/10.1007/s12525-017-0283-0 SN - 1019-6781 SN - 1422-8890 VL - 28 IS - 3 SP - 265 EP - 286 PB - Springer CY - Heidelberg ER - TY - THES A1 - Maul, Valeska Joya T1 - Addressing current challenges of ecosystems in innovation and entrepreneuership N2 - Nowadays, innovative and entrepreneurial activities and their actors are embedded in interdependent systems to drive joint value creation. Innovation ecosystems and entrepreneurial ecosystems have become established system-level concepts in management research to explain how value transpires between different actors and institutions in distinct contexts. Despite the popularity of the concepts, researchers have critiqued their theoretical depth, conceptual distinctiveness, as well as operationalization and measurement (Autio & Thomas, 2022; Klimas & Czakon, 2022). Furthermore, in light of current-day challenges, research has yet to address how context impacts innovation and entrepreneurial ecosystems and their actors and elements (Wurth et al., 2022). The aim of this cumulative thesis is to provide a deeper understanding of the conceptualization, operationalization, and measurement of innovation and entrepreneurial ecosystems and investigate how contextual factors can influence the overall ecosystem and its key actors. To this end, bibliometric and empirical-qualitative methods, as well as narrative and systematic literature reviews, are employed. After introducing the research scope and key concepts in Chapter 1, a systematic literature review to operationalize and measure the concept of innovation ecosystems is conducted, and an integrative framework of its composition is introduced in Chapter 2. In Chapter 3, the innovation journal network is outlined by means of science mapping to determine current and emerging research areas characterizing innovation studies. In Chapters 4 and 5, the interplay between the temporal context of the Covid-19 pandemic and the spatial context of entrepreneurial ecosystems is assessed by focusing on the role of organizational resilience and affordances. The findings shed new light on the dynamics and boundaries of entrepreneurial ecosystems as they move between the spatial and digital realm. Building on this, an integrative framework of digital entrepreneurial ecosystems is presented in Chapter 6. The concluding Chapter 7 summarizes my thesis’s conceptual, theoretical, and empirical insights, highlighting implications, limitations, and promising future research avenues. The findings of this cumulative thesis contribute to the theoretical and conceptual advancement of ecosystems in innovation and entrepreneurship by providing insights into the measurement and operationalization of its elements. Furthermore, the results show that contextual factors, such as crisis events or institutional circumstances, influence innovation and entrepreneurial ecosystems and their actors, calling for a more nuanced consideration of ecosystem configurations and dynamics. By drawing from the theory of affordances, the elements that actually afford value to the actors and how they shift between the physical and digital realm are portrayed. Based on these findings, this thesis introduces novel frameworks and conceptual advancements of the configurations and boundaries of innovation and (digital) entrepreneurial ecosystems, laying the foundation for a renewed understanding of how to design, orchestrate, and evaluate ecosystems today and in the future. KW - Innovation Ecosystem KW - Entrepreneurial Ecosystem KW - Digitalization KW - Affordances KW - Resilience Y1 - 2023 ER - TY - THES A1 - Gleiß, Alexander T1 - Case Studies on Digital Transformation T1 - Fallstudien zur Digitalen Transformation BT - Research on the Impact of Digital Technologies and Digital Platforms on the Economy BT - Aufsätze zum Einfluss digitaler Technologien und Plattformen auf die Wirtschaft N2 - Digital transformation (DT) has not only been a major challenge in recent years, it is also supposed to continue to enormously impact our society and economy in the forthcoming decade. On the one hand, digital technologies have emerged, diffusing and determining our private and professional lives. On the other hand, digital platforms have leveraged the potentials of digital technologies to provide new business models. These dynamics have a massive effect on individuals, companies, and entire ecosystems. Digital technologies and platforms have changed the way persons consume or interact with each other. Moreover, they offer companies new opportunities to conduct their business in terms of value creation (e.g., business processes), value proposition (e.g., business models), or customer interaction (e.g., communication channels), i.e., the three dimensions of DT. However, they also can become a threat for a company's competitiveness or even survival. Eventually, the emergence, diffusion, and employment of digital technologies and platforms bear the potential to transform entire markets and ecosystems. Against this background, IS research has explored and theorized the phenomena in the context of DT in the past decade, but not to its full extent. This is not surprising, given the complexity and pervasiveness of DT, which still requires far more research to further understand DT with its interdependencies in its entirety and in greater detail, particularly through the IS perspective at the confluence of technology, economy, and society. Consequently, the IS research discipline has determined and emphasized several relevant research gaps for exploring and understanding DT, including empirical data, theories as well as knowledge of the dynamic and transformative capabilities of digital technologies and platforms for both organizations and entire industries. Hence, this thesis aims to address these research gaps on the IS research agenda and consists of two streams. The first stream of this thesis includes four papers that investigate the impact of digital technologies on organizations. In particular, these papers study the effects of new technologies on firms (paper II.1) and their innovative capabilities (II.2), the nature and characteristics of data-driven business models (II.3), and current developments in research and practice regarding on-demand healthcare (II.4). Consequently, the papers provide novel insights on the dynamic capabilities of digital technologies along the three dimensions of DT. Furthermore, they offer companies some opportunities to systematically explore, employ, and evaluate digital technologies to modify or redesign their organizations or business models. The second stream comprises three papers that explore and theorize the impact of digital platforms on traditional companies, markets, and the economy and society at large. At this, paper III.1 examines the implications for the business of traditional insurance companies through the emergence and diffusion of multi-sided platforms, particularly in terms of value creation, value proposition, and customer interaction. Paper III.2 approaches the platform impact more holistically and investigates how the ongoing digital transformation and "platformization" in healthcare lastingly transform value creation in the healthcare market. Paper III.3 moves on from the level of single businesses or markets to the regulatory problems that result from the platform economy for economy and society, and proposes appropriate regulatory approaches for addressing these problems. Hence, these papers bring new insights on the table about the transformative capabilities of digital platforms for incumbent companies in particular and entire ecosystems in general. Altogether, this thesis contributes to the understanding of the impact of DT on organizations and markets through the conduction of multiple-case study analyses that are systematically reflected with the current state of the art in research. On this empirical basis, the thesis also provides conceptual models, taxonomies, and frameworks that help describing, explaining, or predicting the impact of digital technologies and digital platforms on companies, markets and the economy or society at large from an interdisciplinary viewpoint. N2 - Die Digitale Transformation (DT) war in den letzten Jahren eine große Herausforderung und wird auch im kommenden Jahrzehnt unsere Gesellschaft und Wirtschaft weiterhin enorm beeinflussen. Neue digitale Technologien durchdringen unseren Alltag, beeinflussen unser Leben maßgeblich und werden es zunehmend mitbestimmen. Gleichzeitig haben digitale Plattformen die Potenziale digitaler Technologien genutzt, um neue Geschäftsmodelle zu entwickeln und zu etablieren, mit tiefgreifenden Auswirkungen auf Einzelpersonen, Unternehmen und ganze Ökosysteme. Digitale Technologien und Plattformen haben das Konsum- und Kommunikationsverhalten der Menschen in den letzten Jahren erheblich und nachhaltig verändert. Einerseits bieten digitale Technologien Unternehmen verschiedener Branchen neue Gestaltungsmöglichkeiten in allen drei Dimension der DT, nämlich dem Leistungserstellungsmodell (z. B. bessere Geschäftsprozesse), dem Leistungsangebotsmodell (z. B. neue Geschäftsmodelle) und dem Kundeninteraktionsmodell (z. B. zeitgemäße Kommunikationskanäle). Anderseits besitzen digitale Technologien und Plattformen das Potenzial, ganze Ökosysteme zu verändern, und können daher auch zu einer Bedrohung für die Wettbewerbsfähigkeit – oder gar das Überleben – einzelner Unternehmen oder ganzer Märkte werden. Vor diesem Hintergrund hat die Forschung der Wirtschaftsinformatik und Information Systems (WI/IS) die Phänomene im Zusammenhang mit der DT in den letzten Jahren erforscht und in Theorien überführt, jedoch angesichts des Ausmaßes, der Dynamik und Komplexität der DT noch nicht vollumfänglich erschlossen. Folglich bedarf es noch weiterer Forschungsanstrengungen, um die DT einschließlich der Interdependenzen in ihrer Gesamtheit und im Detail besser zu verstehen, insbesondere durch die WI/IS-geprägte Perspektive in der Schnittmenge von Technologie, Wirtschaft und Gesellschaft. Folgerichtig wurde in der WI/IS-Disziplin eine Vielzahl bedeutender Forschungslücken diagnostiziert, u. a. den Mangel an empirischen Daten, an Theorien und Konzepten sowie an Wissen über die dynamischen und transformativen Fähigkeiten digitaler Technologien und Plattformen sowohl für einzelne Organisationen als auch für ganze Branchen und Ökosysteme. Daher zielt diese Arbeit darauf ab, ausgewählte Forschungslücken auf der WI/IS-Forschungsagenda anzugehen. Die Arbeit ist hierzu in zwei Bereiche aufgegliedert. Der erste Bereich dieser Arbeit umfasst vier Beiträge zur Analyse der Auswirkungen digitaler Technologien auf Organisationen. Beleuchtet werden hier im Speziellen Einflüsse neuer Technologien auf Unternehmen (Beitrag II.1) und deren Innovationsfähigkeit (II.2), Wesen und Eigenschaften datengetriebener Geschäftsmodelle (II.3) sowie Entwicklungen in Forschung und Praxis zu On-demand Healthcare, d. h. digitalen, patientenzentrierten Ad-hoc-Gesundheitsservices (II.4). Diese Beiträge liefern der Forschung neue Erkenntnisse über die dynamischen Fähigkeiten digitaler Technologien für Unternehmen entlang der drei Dimensionen der DT und zeigen Firmen neue Möglichkeiten auf, digitale Technologien zur Umgestaltung der Organisation oder zur Entwicklung neuer Geschäftsmodelle systematisch zu erkunden, einzusetzen und zu bewerten. Der zweite Bereich dieser Arbeit beinhaltet drei Beiträge zur Analyse der Auswirkungen digitaler Plattformen auf traditionelle Unternehmen und Märkte sowie die Wirtschaft und Gesellschaft als Ganzes. Im Speziellen beleuchtet Beitrag III.1 den Einfluss digitaler Plattformen auf das Geschäft traditioneller Versicherungsunternehmen und demnach, wie sich Wertschöpfung, Leistungsangebot und Kundeninteraktion in der Folge wandeln. Beitrag III.2 betrachtet den Einfluss digitaler Plattformen ganzheitlicher und untersucht, wie sich die Wertschöpfungsstrukturen im Gesundheitsmarkt infolge der Digitalisierung und "Plattformisierung" nachhaltig verändern. Gegenstand der Betrachtung sind hierbei insbesondere die fünf großen Player: Google, Apple, Facebook, Amazon und Microsoft (GAFAM). Beitrag III.3 verlässt die Ebene einzelner Unternehmen und Märkte und untersucht die regulatorischen Probleme, die infolge der Plattformökonomie für Wirtschaft und Gesellschaft entstehen, und entwickelt entsprechende Lösungsansätze, diese anzugehen. Die Beiträge steuern somit neue Erkenntnisse über die transformativen Auswirkungen digitaler Plattformen auf etablierte Unternehmen im Speziellen und ganze Ökosysteme im Allgemeinen bei. Die Erkenntnisse aller Beiträge stützen sich im Wesentlichen auf der Analyse von Fallstudien, die im Kontext bestehender Forschung in den einzelnen Bereichen systematisch untersucht werden. Auf dieser empirischen Grundlage werden im Rahmen dieser Arbeit theoretische Modelle, Taxonomien und Frameworks entwickelt, die helfen, diese Auswirkungen aus interdisziplinärer Sicht zu beschreiben, zu erklären oder vorherzusagen. Insgesamt trägt diese Arbeit demzufolge zum weiteren Verständnis der Auswirkungen der DT auf Organisationen, Märkte und die Gesellschaft bei. KW - Digital Transformation KW - Digitalization KW - Digital Health KW - Digital Platforms KW - Platform Economy KW - Digitalisierung KW - Plattformökonomie KW - Digitale Transformation KW - Digitale Plattformen KW - Digitale Gesundheit Y1 - 2022 U6 - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:kobv:517-opus4-546159 ER -