BUSINESS MODELS IN BANKING: A CLUSTER ANALYSIS USING ARCHIVAL DATA.
We show that clustering can be used to identify bank business models based on variables that proxy how banks create value. Departing from the value proposition and systematically deriving the proxies for value creation link the disconnected 'business model literature' with the 'bank business model l...
| Publicado en: | TRAMES: A Journal of the Humanities & Social Sciences Vol. 23; no. 1; pp. 79 - 108 |
|---|---|
| Autores principales: | , , |
| Formato: | Artículo |
| Publicado: |
Teaduste Akadeemia Kirjastus
2019
|
| Materias: | |
| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ssf&AN=134961206&site=ehost-live header: @attributes: shortDbName: ssf uiTerm: 134961206 longDbName: Social Sciences Full Text (H.W. Wilson) uiTag: AN controlInfo: bkinfo: jinfo: jid: 14060922 DT1 jtl: TRAMES: A Journal of the Humanities & Social Sciences issn: 14060922 maglogo: N pubinfo: dt: 2019 vid: 23 iid: 1 pid: 11112 pub: Teaduste Akadeemia Kirjastus artinfo: ui: 134961206 10.3176/tr.2019.1.06 ppf: 79 ppct: 29 formats: fmt: @attributes: type: P size: 3.4MB tig: atl: BUSINESS MODELS IN BANKING: A CLUSTER ANALYSIS USING ARCHIVAL DATA. aug: au: Lueg, Rainer Schmaltz, Christian Tomkus, Modestas affil: Leuphana University University of Southern Denmark Aarhus University True North Institute su: Financial crises Business models Cluster analysis (Statistics) Value proposition Investment banking Retail banking sug: subj: Financial crises Investment Banking and Securities Dealing Commercial Banking Credit Unions Savings Institutions Personal and commercial banking industry Business models Cluster analysis (Statistics) Value proposition Investment banking Retail banking keyword: banks business model cluster analysis financial crisis banks business model cluster analysis financial crisis ab: We show that clustering can be used to identify bank business models based on variables that proxy how banks create value. Departing from the value proposition and systematically deriving the proxies for value creation link the disconnected 'business model literature' with the 'bank business model literature'. On a sample of 63 large European and U.S. banks, the clustering approach correctly identifies the business model for four out of five banks. In particular, it correctly identifies 100% of all investment banks, 89% of the universal banks, and 44% of the retail banks. Identifying business models is an important preparatory step before implementing business model-specific minimum requirements or assessing the sustainability of business models. Furthermore, a quantitative objective method like clustering is important for regulators because it is a much more economical way to identifying business models than to collect qualitative information about the business model from annual reports. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: N holdings: @attributes: islocal: N |
|---|