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- W621106713 abstract "Credit assessments is a risky process for banks, if a bank makes an incorrect credit assessments, they will not only decrease their own profitability it may also affect the whole community financially. Banks base their credit assessments on both financial and non-financial information, they are also able to use Enterprise Resource Planning (ERP) systems to support their decision making. ERP systems have the ability to retrieve financial information, manage information, and generate new information that can be used as a basis for decisions. The purpose of this study is to describe the ERP systems role in the credit assessment and how relational factors impact the ERP system's role in credit assessments. The study has a qualitative approach consisting of seven interviews with bank officials, these officials work with credit assessment for both corporate and private customers. These seven bank officials work in different banks, with different work descriptions and have different experience of credit assessments. This study shows that the ERP system's role in a credit assessment is different depending on if it is a corporate customer or a private customer and also that the relationship factors affect the ERP systems role in credit assessments. We recommend that a future study compares the ERP systems role with the outcomes of credit assessments were successful or unsuccessful credit decisions." @default.
- W621106713 created "2016-06-24" @default.
- W621106713 creator A5030373444 @default.
- W621106713 creator A5069453668 @default.
- W621106713 date "2014-01-01" @default.
- W621106713 modified "2023-09-27" @default.
- W621106713 title "Affärssystemets roll i bankers kreditbedömningar : En studie om hur relationsfaktorer påverkar affärssystemets roll vid kreditbedömares beslutsfattning och riskhantering" @default.
- W621106713 hasPublicationYear "2014" @default.
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