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• W47356887 abstract "SummaryChanges in the business environment, such as deregulation, the increasing “internationalisation” of financial markets, and shifts in customer behaviour, were the initial cause for the increase of competition between banks. As yet, technological progress has played more of a supportive than a determining role in this process. Increased competition between banks has manifested itself especially in banks’ endeavours to intensify their client relationships, especially through improved product design and increased market presence. At the same time, banks have found themselves confronted with growing competition from non and near-banks.These developments led to the appearance of so-called “Allfinance” groups, which offer a wide range of financial services. Competition between them is concentrated on product design and product innovation. Here the individual product is not the focus of attention, but rather the whole product spectrum.The success of a bank in this intensely competitive environment depends largely on the human resources at its disposal. They are crucial for the quality of consultancy services, for the design of products that fulfil varying customer needs and are adaptable to market trends, for the appropriate positioning of the bank in various business fields, and last, but not least, the cost-conscious deployment of resources. All of these activities would not be imaginable without the implementation of modern information technology and multimedia techniques. These make it possible to tap into a wide range of information at the touch of a button, to develop information and controlling instruments, to rationalise and automate internal processes, to simulate market developments and to develop management and customer information and advisory systems. Consequently, a bank’s know-how and its success in implementing this knowledge in the form of profitable business not only depends on its financial skills but increasingly on its expertise in software applications. Moreover, a stage has been reached in which modern technology no longer merely supports trends in the banking business, but sets trends itself. In the long term, progress in the field of information technology and telecommunications will place the bank-client relationship on a new basis. The relationship between banks and their clients will be loosened and competition will intensify as the supply of financial services offered by non and near-banks increases. The implication is that the individual bank must concentrate on those business fields in which its strengths lie and in which it can achieve a lead over its competitors." @default.
• W47356887 created "2016-06-24" @default.
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• W47356887 date "1996-01-01" @default.
• W47356887 modified "2023-09-26" @default.
• W47356887 title "Technologie als bankbetrieblicher Wettbewerbsfaktor" @default.
• W47356887 doi "https://doi.org/10.1007/978-3-322-82602-2_19" @default.
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