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Embedded Finance

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61 % of Germans would obtain financial services from an online retailer. In contrast, 65% of German banks do not see their customer interface threatened. The situation is similar when it comes to the question of whether banks see themselves threatened by disruption from digital competitors, with 68% answering in the negative. In view of these contradictory figures, the question arises as to whether German banks are in the process of missing out on one of the most disruptive trends in banking: Embedded Finance.

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All, Ecosystems

Success Factors for Business Ecosystems – An Analysis for the Banking Market Germany from the Orchestrator’s Perspective

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The concept of business ecosystems has become established in the context of corporate operations in recent years. Business ecosystems seem to provide a particularly advantageous foundation in times of uncertainty and diverse customer needs. Often, companies that orchestrate value creation among the different actors are considered to play a prominent role when it comes to enabling business ecosystems. The question, however, is what factors are necessary for an orchestrator to be able to build a business ecosystem business model. In the following, I provide insight into the results my master’s thesis, which identifies such factors from an orchestrator’s perspective.

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All, Ecosystems

Strategic Positioning in the Insurtech Jungle
– Results of an Insurtech Analysis

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Insurtechs are constantly making news in the financial world. Whether they are seen as the big competitor to insurers, exploiting the limping digitalization of the big players, or helping conventional insurers to arrive in the 21st century, startups are bringing a breath of fresh air to the industry through new technologies such as artificial intelligence (AI) or natural language processing (NLP). Due to the abundance of new services and business models, it is appealing from both an entrepreneurial and scientific perspective to gain an overview of the structure and innovative capacity of the market.

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Digitization, Ecosystems

Classification of Blockchain-Based Applications: A Conceptualization from a User Perspective

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Despite many known advantages, it is still difficult, especially for practitioners, to identify concrete application areas for blockchain-based applications. This article takes this as its starting point and presents a sector-independent typology of application fields, which not only serves to analyze existing blockchain applications, but also provides users with an orientation as to which general possible uses there are for the blockchain and how complex an initial implementation of the respective applications can turn out to be.

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All, Data, Digitization, Ecosystems, technologies

Sustainable Finance: A Step Toward the Circular Economy

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Sustainability is on everyone’s lips and now impacts all regions and sectors of the global economy. Increasingly, financial industry stakeholders, including customers, investors, suppliers and regulators, expect financial services providers to play an active role in financing the transition from a linear economy to a circular economy. ESG criteria are a tool for companies to become more sustainable and to comply with the regulatory efforts of policymakers and regulators.

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All, Regulations

An Analytics Marketplace for SMEs

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For small and medium-sized enterprises (SMEs), AI offers enormous potential for scaling and increasing efficiency, but for these companies in particular there is no alternative to using GAFA services because they themselves lack, for example, machine learning knowledge or the necessary data to train algorithms. An analytics marketplace could solve these challenges.

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All, Data, Ecosystems, technologies

The Business Side of the Blockchain Map

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Two weeks ago, we introduced the BlockWiki here on the blog, a website where we compile and explain the most important blockchain and DLT terms. The blockchain map, a graphical summary of blockchain terms, can also be purchased there. The overview differentiates between the technical and the business view of the Blockchain. After the left side with the technical view was described in detail in the blog post “The Technical Side of the Blockchain Map”, in this article we focus on the business view of the blockchain universe and explain the terms depicted there within their context.

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All, technologies

The Technical Side of the Blockchain Map

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In our last blog post, “The BlockWiki – The Blockchain Explained,” we introduced the BlockWiki, a compilation of blockchain terms and research on blockchain and distributed ledger technology. One component of the BlockWiki is the Blockchain Map, which graphically depicts the technical background, various uses and functions of the technology. It is divided into two sections: technical view and business view. In this blog post, the focus will be on explaining the elements of the technical side.

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All, technologies

The BlockWiki – the Blockchain Explained

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The blockchain is gaining more and more attention and importance worldwide and across industries. Although there is a broad field of application behind this technology on both the technical and economic side, the terms surrounding blockchain in research are not entirely consistent and often unclear. The BlockWiki is a website where relevant terms regarding the blockchain are explained and related to each other and can therefore be used as a reference tool by anyone interested in the blockchain.

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All, technologies

20 Years Agile Manifesto – An Overview of the Values & Principles

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On the occasion of the 20th anniversary of the Agile Manifesto, I would like to take another look at the central concepts of the document. Because even after this long time, the values and principles contained represent the basic tenets of the agile working method and can be found in many different agile methods, such as Scrum, Kanban or SAFe.

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All, Digitization, technologies

Ant Group – The Brightest Star in the Ecosystem Sky?

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37 billion US dollars. With this issue volume, Ant Group, formerly Ant Financial, a Chinese tech group created by Alibaba founder Jack Ma, was to be traded on the Shanghai and Hong Kong stock exchanges. Many see new value creation logics, so-called business ecosystems, which Ant Group is said to have developed for itself, as being behind the rapid growth and the extremely high company valuation. However, the assumption that Ant Group is an ecosystem should be treated with caution. In the following, we have analyzed individual platforms in more detail based on the work of the CC Ecosystem.

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All, Ecosystems

Business Ecosystem, Innovation Ecosystem, Platform Ecosystem – How Many Ecosystem Terms Do We Really Need?

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The trend towards value creation in ecosystems has led to a multitude of ecosystem definitions in the past. This makes it difficult even for the interested reader to understand the research results presented. To what extent do the ecosystem concepts really differ and can the findings of one field be transferred to the other?

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All, Ecosystems

The Robo-Advisor – A Substitute for the Human Investment Advisor?

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In my last post, I explained what characteristics distinguish the robo-advisory process from that of traditional client advice provided by a human advisor. Today, I explain how exactly these characteristics affect the traditional client advisory process and change it to create the robo-advisory process that I presented in the third post of this series. Finally, I answer the question of which of the two advisory processes is the better one.

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All, Digitization, technologies

Food for Thought – Book Reviews and Reading List 2020

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Another rather exciting year has passed, during which was able to advance some of my personal projects, among them being self-reflection. Reading books is one of the tools I use to reflect on my perspectives and to refine and adjust them, wherever I feel necessary. While I tried to tap into a diverse set of ideas and experiences during 2020, this article will present five highlights, hoping that some of the ideas I found most inspiring will provide some food for thought for you, as well.

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What Distinguishes a Robo-Advisor?

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In my last post, I detailed the customer advisory processes for a human advisor and a robo-advisor. Today I explain what causes these differences. This step is important to be able to understand and explain the differences between the two advisory processes and then, in a next step, to be able to derive the impact of robo-advisory services and to evaluate the advantages and disadvantages of robo-advisors compared to the traditional customer advisory process.

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All, Digitization, technologies

Robo-Advisors vs. Traditional Customer Advisors

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My last post before the Christmas break was about which business models and strategies a robo-advisor can align its offering with. Today, I will present the customer advisory processes of traditional, human banking advisory services and robo-advisors. In the rest of the series, I will then discuss the impact caused by robo-advisors which form of advisory is better and whether robo-advisors will be able to replace bank advisors in the near future.

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All, Digitization, technologies

What Is a Robo-Advisor and Why Should We Care?

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In the course of the change from a personalized customer experience at a bank to the desire for standardized and digitized processes, “robo-advisors” are becoming increasingly important. Today’s article looks at how robo advisory services are defined and how they came into being, whether they are serious competition for banks, and what stage of development robo-advisors are at now.

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Digitization, technologies
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