Mobile Technology as Part of Banks’ Business Model

• Authors: Monika Klimontowicz , Janina Harasim

Title variants

Technologia mobilna w modelach biznesowych banków

• Languages of publication: EN

Abstracts

EN

During the last few decades, the banking market has changed significantly making banks face new challenges. Mobile technology development has had a powerful impact on all human activities including banking. Mobile technology has changed both the information and communication sharing, as well as customers’ market behaviour. All these changes should be taken into account in the process of searching for competitive advantage factors and designing banks’ business models. The purpose of the paper is to propose the framework for banks’ business model that incorporates using mobile technology and creating a competitive advantage. The foundation of this framework is based on theoretical considerations. The paper analyses contemporary business models used by banks, their value proposals and their relation to customers’ needs and expectations. The research highlights the routes for using mobile technology in the further development of banks’ business models from the perspective of the process of creating and delivering value for customers.

PL

Zmiany, które dokonały się na rynku bankowym na przestrzeni ostatnich kilku dekad, stanowią dla banków źródło nowych wyzwań. Rozwój technologii mobilnych ma znaczący wpływ na wiele obszarów ludzkich działań, w tym zachowania na rynku usług bankowych. Upowszechnienie technologii mobilnej zmieniło zarówno sposób przekazywania informacji i komunikacji, jak i zachowania nabywcze klientów. Wszystkie te zmiany powinny być uwzględnianie w procesie poszukiwania źródeł przewagi konkurencyjnej i projektowania modelu biznesowego banku. Celem artykułu jest zaproponowanie założeń modelu biznesowego banku uwzględniających technologię mobilną jako narzędzie dostarczania wartości dla klientów i źródło przewagi konkurencyjnej. Założenia te zostały opracowane na podstawie studiów literaturowych. W artykule przedstawiono analizę modeli biznesowych wykorzystywanych przez banki, dostarczanych w ramach tych modeli propozycji wartości dla klientów oraz ich dopasowania do potrzeb i oczekiwań odbiorców. Analizę podsumowują przesłanki dotyczące wykorzystania technologii mobilnej do dalszego rozwoju modeli biznesowych banków, sformułowane z perspektywy kreowania i dostarczania wartości dla klientów.

Keywords

EN

bank business model; mobile technology; customer‑value; banking innovations

PL

model biznesowy banku; technologia mobilna; wartość dla klienta; innowacje bankowe; model biznesowy banku; technologia mobilna; wartość dla klienta; innowacje bankowe

• Publisher: Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
• Journal: Acta Universitatis Lodziensis. Folia Oeconomica
• Year: 2019
• Volume: 1
• Issue: 340
• Pages: 73-90

Dates

published

2019-04-04

Contributors

author

Monika Klimontowicz

• University of Economics in Katowice, Faculty of Finance and Accounting, Department of Banking and Financial Markets

• https://orcid.org/0000-0001-9215-1938

author

Janina Harasim

• University of Economics in Katowice, Faculty of Finance and Accounting, Department of Banking and Financial Markets

• https://orcid.org/0000-0001-5244-2319

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Identifiers

DOI

10.18778/0208-6018.340.05