Designing for loyalty programme effectiveness in the financial services industry

The Norwegian Financial Services Industry

“islamic Financial Services Industry: the European Challenges”

What is Islamic Finance? There are at least three characteristics which makes it different from the conventional debt finance. First, it prohibits riba or interest, or in other words a fixed and pre-determined rate of return to be paid on the deposits or to be received from the borrowers. The rate of return is variable and determined by the profit and loss that the bank makes during a given per...

Object Oriented Product Meta-Model for the Financial Services Industry

Banks and other financial service providers are confronted with increased claims of their customers. They expect products and services tailored to their personal needs. At the same time, banks and insurance companies face an enormous pressure to increase the efficiency of their operations. An approach to combine the satisfaction of individual customer needs with the realization of economies of ...

Operational Process Management in the Financial Services Industry

Today, service companies like hotel chains, tour operators, insurance companies, and banks have to deal with tough competition in their respective markets. To survive in this situation the companies’ business models, cost reduction initiatives, and efforts for increasing revenues require continuous adjustments. Otherwise, these companies might fall prey to the ongoing consolidation process. Due...

Clicks vs. Bricks in the Emerging Online Financial Services Industry

The emergence of electronic commerce raises important questions about the building and leveraging of legitimacy for both practitioners and scholars of strategy. New entrants’ click-and-mortar or click-and-click business models are challenging the legitimacy of large and mature brick-and-mortar incumbents. The implications of this challenge for the financial services industry—as for many other i...