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  - 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  -