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Author: Toni Ahnert Publisher: International Monetary Fund ISBN: 1513591800 Category : Business & Economics Languages : en Pages : 57
Book Description
This paper analyzes the importance of information technology (IT) in banking for entrepreneurship. To guide our empirical analysis, we build a parsimonious model of bank screening and lending that predicts that IT in banking can spur entrepreneurship by making it easier for startups to borrow against collateral. We provide empirical evidence that job creation by young firms is stronger in US counties that are more exposed to ITintensive banks. Consistent with a strengthened collateral lending channel for IT banks, entrepreneurship increases more in IT-exposed counties when house prices rise. In line with the model's implications, IT in banking increases startup activity without diminishing startup quality and it also weakens the importance of geographical distance between borrowers and lenders. These results suggest that banks' IT adoption can increase dynamism and productivity.
Author: Toni Ahnert Publisher: International Monetary Fund ISBN: 1513591800 Category : Business & Economics Languages : en Pages : 57
Book Description
This paper analyzes the importance of information technology (IT) in banking for entrepreneurship. To guide our empirical analysis, we build a parsimonious model of bank screening and lending that predicts that IT in banking can spur entrepreneurship by making it easier for startups to borrow against collateral. We provide empirical evidence that job creation by young firms is stronger in US counties that are more exposed to ITintensive banks. Consistent with a strengthened collateral lending channel for IT banks, entrepreneurship increases more in IT-exposed counties when house prices rise. In line with the model's implications, IT in banking increases startup activity without diminishing startup quality and it also weakens the importance of geographical distance between borrowers and lenders. These results suggest that banks' IT adoption can increase dynamism and productivity.
Author: Toni Ahnert Publisher: ISBN: Category : Banks and banking Languages : en Pages : 0
Book Description
"This paper provides novel evidence on the importance of information technology (IT) in banking for entrepreneurship. To guide our analysis, we build a parsimonious model of bank screening and lending. The model predicts that IT in banking can spur entrepreneurship by making it easier for startups to borrow against collateral. We empirically show that job creation by young firms is stronger in US counties that are more exposed to IT-intensive banks. Consistent with a strengthened collateral channel, entrepreneurship increases by more in IT-exposed counties when house prices rise. Regressions at the bank level further show that banks' IT adoption makes credit supply more responsive to changes in local house prices, and reduces the importance of geographical distance between borrowers and lenders. These results suggest that IT adoption in the financial sector can increase dynamism by improving startups' access to finance."--Abstract.
Author: William V. Rapp Publisher: Oxford University Press ISBN: 0195348958 Category : Computers Languages : en Pages : 324
Book Description
The focus of this book is to educate the reader on the strategic principles fundamental to using information technology to gain market control. It provides case examples of how to use IT to enhance existing core competencies and strategies. The book is designed to help managers struggling with how to advantageously harness the new information revolution. It can also support executive and business education programs on managing technology when few such studies exist. While Internet and information technologies are currently hot topics many firms and executives are without the tools and know-how of how to actually use them to improve results. Some major firms have sophisticated strategies for using information technology to impact, control and even own their competitive environments. This book describes how major non-information technology companies are doing this and the strategic principles employed.
Author: Zhao, Fang Publisher: IGI Global ISBN: 1599049023 Category : Computers Languages : en Pages : 530
Book Description
It has become a widely-recognized fact that entrepreneurs and information technology have become the backbone of the world economy. The increasing penetration of IT in society and in most of industries/businesses, as well as the joining forces of entrepreneurship and innovation in the economy, reinforce the need for a leading and authoritative research handbook to disseminate leading edge findings about entrepreneurship and innovation in the context of IT from an international perspective. Information Technology Entrepreneurship and Innovation presents current studies on the nature, process and practice of entrepreneurship and innovation in the development, implementation, and application of information technology worldwide, as well as providing academics, entrepreneurs, managers, and practitioners with up-to-date, comprehensive, and rigorous research-based articles on the formation and implementation of effective strategies and business plans.
Author: Maged Hassanien Publisher: GRIN Verlag ISBN: 3346326454 Category : Business & Economics Languages : en Pages : 47
Book Description
Scientific Essay from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The information age is increasingly replacing the industrial age - this has greatly increased the importance of information for a successful and sustainable competitive advantage. This brings with it very far-reaching and complex challenges for companies. On the one hand, very large amounts of data will have to be processed and, on the other hand, the question arises as to how these data are to be processed - the focus here is on the issue of digitising work processes in operational banking business (corporate and retail banking) and their effects on the real banking workplace. International information - also known as global information channels - is causing the economic significance of material value creation to decline - the immaterial significance of value creation is thus steadily increasing. For only the right information, which must be made available at all times and geared to the company/bank, will pose a challenge that can result in the creation of value in the work process in the respective areas of the bank. This means that the intangible value added is transferred in the form of a transfer of data into so-called business information, thus leading to additional earnings. This business information must be exploited in and from electronic media in such a way that customer contacts can arise from it, information about it can be created and, for example, added value can be created for the bank customer as a service or for sale. The Internet and digitalisation are unconditional electronic supports that are revolutionising the banking sector. So-called FinTechs, companies which, with technical innovations in the financial services sector, will fundamentally change banking transactions with customers - this is also happening with the demands on the workplaces of bank employees. The FinTech sector (Financial Technology) is extremely innovative and has accordingly built up a dynamic and fast-moving environment. Digitalisation and the Internet with its social and business media have a significant role to play in the working environment of banks.
Author: Lawrence J. Gitman Publisher: ISBN: Category : Business & Economics Languages : en Pages : 1455
Book Description
Introduction to Business covers the scope and sequence of most introductory business courses. The book provides detailed explanations in the context of core themes such as customer satisfaction, ethics, entrepreneurship, global business, and managing change. Introduction to Business includes hundreds of current business examples from a range of industries and geographic locations, which feature a variety of individuals. The outcome is a balanced approach to the theory and application of business concepts, with attention to the knowledge and skills necessary for student success in this course and beyond. This is an adaptation of Introduction to Business by OpenStax. You can access the textbook as pdf for free at openstax.org. Minor editorial changes were made to ensure a better ebook reading experience. Textbook content produced by OpenStax is licensed under a Creative Commons Attribution 4.0 International License.
Author: Uday Sadashiv Karmarkar Publisher: World Scientific ISBN: 9812566961 Category : Business & Economics Languages : en Pages : 346
Book Description
Documents the information technology driven changes that occur in business structures, business practices and sector structures. This work provides information on what is really happening across the economic landscape as a result of changes in information technologies. It offers a comparative picture of technology and business practice.
Author: Clive Verrall Publisher: ISBN: 9781973111726 Category : Languages : en Pages : 109
Book Description
Could you make a successful and rewarding career in Investment Banking Information Technology? You may know about Information Technology (IT) systems, but each business area is different. How does Information Technology in Investment Banking really work? What are the essential concepts and the critical IT systems that anyone would need to know to be successful and to continue to be valuable to an investment bank? This book is aimed at every Information Technology professional who wants to increase their understanding of the rewarding world of investment banking IT. It will be of benefit both to people who are starting out in this area and it will also be useful to those who already have experience in some area of investment banking and want to get a wider understanding of the subject to land a bigger role.Investment banking is a complicated collection of subjects. Therefore it will be no surprise that the IT systems built for investment banking can also be complicated and are often implemented only by people who have an in-depth understanding of a particular niche of the investment banking business for which the system is needed. This in-depth knowledge takes years to accumulate and as a result IT staff with that knowledge are hard to find and are well paid. This makes it difficult for new comers to break into this large and still growing Information Technology area or even to switch domains within a bank once they have already started. In this book I will share my experiences gained over more than 20 years, and the experiences of my close confidents, to fast track the reader's career.Throughout the book investment banking activities are explained in the context of what their demands on the IT department are. For each activity area this includes looking at system diversity, IT team sizes, IT process maturity, technologies used, key IT roles and whether advanced mathematical skills are needed.
Author: Paolo Sironi Publisher: John Wiley & Sons ISBN: 1119756995 Category : Business & Economics Languages : en Pages : 278
Book Description
Discover the future of the financial services industry with this insightful new resource on Contextual and Conscious Banking In Banks and Fintech on Platform Economies: Contextual and Conscious Banking, accomplished fintech professional and author Paolo Sironi delivers an insightful examination of how platform theory, born outside of financial services, will make its way inside banking and financial markets to radically transform the way firms do business. You’ll learn why the financial services industry must master the necessary shift of focus from selling business outputs to selling client outcomes. You’ll also discover how to steer the industry towards new forms of digital transformation underpinned by Contextual Banking and Conscious Banking platform strategies that will benefit stakeholders of all kinds. This important book: Describes the shift in mindset necessary to help banks strengthen and extend the reach of their Banking-as-a-Service and Banking-as-a-Platform operations. Shows how a renewed interpretation of fundamental uncertainty inspires the usage of exponential technologies to achieve architectural resilience, and open the reference theory to spring new business models centered on clients’ and ecosystems’ antifragility. Financial services industry can break-out from a narrow space of value-generation to reclaim top spot against bigtech contenders, enjoying greater flexibility and adaptability at lower digital costs Perfect for CEOs, business leaders, regulators, fintech entrepreneurs, wealth managers, behavioral finance researchers and professionals working at financial technology companies, Banks and Fintech on Platform Economieswill also earn a place in the libraries of bankers seeking a firm grasp of the rapidly evolving outcome economy and a view about the future of the industry.
Author: Toni Ahnert
Author: Toni Ahnert
Author: Toni Ahnert
Author: William V. Rapp
Author: Zhao, Fang
Author: Maged Hassanien
Author: 
Author: Lawrence J. Gitman
Author: Uday Sadashiv Karmarkar
Author: Clive Verrall
Author: Paolo Sironi