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Erscheinungsjahr: 
2017
Quellenangabe: 
[Journal:] Financial Innovation [ISSN:] 2199-4730 [Volume:] 3 [Issue:] 12 [Publisher:] Springer [Place:] Heidelberg [Year:] 2017 [Pages:] 1-16
Verlag: 
Springer, Heidelberg
Zusammenfassung: 
The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China (ICBC) and Citibank. It analyzes the strategies, organizations, HR systems, and product innovations adopted by these two banks in response to the impact of FinTech. This paper proposes an 'electric vehicle' mode for ICBC and an 'airplane mode' for Citibank. Further, it describes the difficulties encountered by the Chinese banking industry and proposes some feasible ways to upgrade. 'Technology power' will become the core competitive concept for the financial institutions of the future.
Schlagwörter: 
Mobile Internet finance
Traditional banks
Upgrade and transformation
Organizational innovation
Technology power
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