If you have any questions, you are always welcome to contact us. We'll get back to you as soon as possible, withing 24 hours on weekdays.
Customer service
All questions about your order, return and delivery must be sent to our customer service team by e-mail at yourstore@yourdomain.com
Sale & Press
If you are interested in selling our products, need more information about our brand or wish to make a collaboration, please contact us at press@yourdomain.com
Help
If you have any questions, you are always welcome to contact us. We'll get back to you as soon as possible, withing 24 hours on weekdays.
Customer service
All questions about your order, return and delivery must be sent to our customer service team by e-mail at yourstore@yourdomain.com
Sale & Press
If you are interested in selling our products, need more information about our brand or wish to make a collaboration, please contact us at press@yourdomain.com
Masterarbeit aus dem Jahr 2012 im Fachbereich VWL Finanzwissenschaft, Universitt Regensburg (Wirtschaftswissenschaftliche Fakultt), Sprache: Deutsch, Abstract: Die Theorie der disruptiven Innovation von Clayton Christensen bildet die Grundlage, um fundamentale Wandelprozesse in zahlreichen Branchen zu verstehen dennoch bleibt die exante Identifikation derartiger Verwerfungen mithilfe der bestehenden Theorie schwierig. In der vorliegenden Arbeit wird auf Basis der weiterentwickelten Theorien analysiert, ob das P2PBanking fr den deutschen Bankenmarkt eine disruptive Bedrohung darstellt: Dabei handelt es sich um die Kreditvergabe von Privatperson zu Privatperson ber spezielle OnlineKreditmarktpltze. Dazu wird das PrognoseFramework von Keller und Hsig (2009) fr die vorliegende Arbeit zielfhrend erweitert. Weiterhin werden mgliche strategische Responses betrachtet. Die Untersuchung des deutschen Retailbanking, der Ursprnge des Social Banking und des Status quo im deutschen P2PBanking lenken den Fokus auf das Kreditgeschft. In diesem wird anhand einer neuen Kreditvergabetechnologie im P2PBanking die bestehende Bonittsanalyse vereinfacht und zum Teil komplett ersetzt. Aus der Analyse des disruptiven Potentials ergibt sich, dass die deutschen Anbieter Smava und Auxmoney beinahe alle Kriterien einer potenziellen Disruption erfllen. Fr die IncumbentGruppen Grobanken sowie Sparkassen und Genossenschaftsbanken besteht folglich disruptive Gefahr, die sie aufgrund ihrer Erfahrungen mit Disruptionen aber abwenden knnten. Dabei ist bei den Direktbanken aufgrund der Nhe zum P2PBanking ein geringerer Grad an Bedrohung zu sehen. Als einzig valide Response erscheint fr die untersuchten Incumbents die Kooptation, die fr die drei Gruppen in unterschiedlicher Form umzusetzen ist.
⚠️ WARNING (California Proposition 65):
This product may contain chemicals known to the State of California to cause cancer,
birth defects, or other reproductive harm.
<div class="dynamic-checkout__content" id="dynamic-checkout-cart" data-shopify="dynamic-checkout-cart"> <shopify-accelerated-checkout-cart wallet-configs="[{"supports_subs":true,"supports_def_opts":false,"name":"shop_pay","wallet_params":{"shopId":73758048501,"merchantName":"Ergodebooks","personalized":true}},{"supports_subs":false,"supports_def_opts":false,"name":"amazon_pay","wallet_params":{"checkoutLanguage":"en_US","ledgerCurrency":"USD","placement":"Cart","sandbox":false,"merchantId":"A1G1ZY975O1T6J","productType":"PayAndShip","design":"C0002"}},{"supports_subs":true,"supports_def_opts":false,"name":"paypal","wallet_params":{"shopId":73758048501,"countryCode":"US","merchantName":"Ergodebooks","phoneRequired":true,"companyRequired":false,"shippingType":"shipping","shopifyPaymentsEnabled":true,"hasManagedSellingPlanState":false,"requiresBillingAgreement":false,"merchantId":"L873BZSC9NMQS","sdkUrl":"https://www.paypal.com/sdk/js?components=buttons\u0026commit=false\u0026currency=USD\u0026locale=en_US\u0026client-id=AbasDhzlU0HbpiStJiN1KRJ_cNJJ7xYBip7JJoMO0GQpLi8ePNgdbLXkC7_KMeyTg8tnAKW4WKrh9qmf\u0026merchant-id=L873BZSC9NMQS\u0026intent=authorize"}}]" access-token="c0f52a66b386e9fa5c0ab4c2febc737c" buyer-country="US" buyer-locale="en" buyer-currency="USD" shop-id="73758048501" cart-id="7b351d48fcd959b65ce44340844d4b96" enabled-flags="["d6d12da0","32a68cd0","a1c7ccbe","ce346acf","c0874428"]" > <div class="wallet-button-wrapper"> <ul class='wallet-cart-grid wallet-cart-grid--skeleton' role="list" data-shopify-buttoncontainer="true"> <li data-testid='grid-cell' class='wallet-cart-button-container'><div class='wallet-cart-button wallet-cart-button__skeleton' role='button' disabled aria-hidden='true'> </div></li><li data-testid='grid-cell' class='wallet-cart-button-container'><div class='wallet-cart-button wallet-cart-button__skeleton' role='button' disabled aria-hidden='true'> </div></li><li data-testid='grid-cell' class='wallet-cart-button-container'><div class='wallet-cart-button wallet-cart-button__skeleton' role='button' disabled aria-hidden='true'> </div></li> </ul> </div> </shopify-accelerated-checkout-cart> <small id="shopify-buyer-consent" class="hidden" aria-hidden="true" data-consent-type="subscription"> One or more of the items in your cart is a deferred, subscription, or recurring purchase. By continuing, I agree to the <span id="shopify-subscription-policy-button">cancellation policy</span> and authorize you to charge my payment method at the prices, frequency and dates listed on this page until my order is fulfilled or I cancel, if permitted. </small> </div>
Stay in the know
Subscribe to our newsletter and stay updated on latest offers, discounts and events near you.
For MAP (Minimum Advertised Price) violations and Intellectual Property (IP) or Trademark concerns, please contact:
support@ergodebooks.com
⚠️ California Proposition 65 Warning: Some products sold on this website may expose you to chemicals known to the State of California to cause cancer, birth defects, or other reproductive harm. For more information, visit www.P65Warnings.ca.gov.
