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Financial Technology Implementation for Value Creation in Investment Advisory Services: A Conceptual Framework

Olde, R.D. de (2018) Financial Technology Implementation for Value Creation in Investment Advisory Services: A Conceptual Framework.

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Abstract:Financial technologies are currently disrupting the investment advisory industry. This research aims to find ways on how existing companies operating in this sector can cope with, and implement financial technologies to create value, in order to stay competitive and sustainable. Researched by comparing models of traditional investment advisory services with modernised models using financial technologies. Traditional companies focus on offline, dedicated advisory while the modernised companies focus on online services and tools. In order to answer the research question: “To what extent can companies offering investment advisory services find ways to create value by adopting financial technologies, in order to accommodate shifting customer needs?”, the analysis contains value proposition canvasses filled in for each of the cases, a tool used for understanding customer needs. By comparing the canvasses, the change in customer needs regarding the role of the investment advisor, personalisation and online presence are identified. These characteristics are implemented in a framework for generalisation. In the future every target group has a significant online presence, therefore demanding a high-level of online services or personalisation, relative to costs. Moreover, it implies the role of the financial advisor will not be centralised anymore, but change to a supportive role.
Item Type:Essay (Bachelor)
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:85 business administration, organizational science
Programme:International Business Administration BSc (50952)
Link to this item:http://purl.utwente.nl/essays/75427
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