NDLI: Analysis of E-bank Innovation in China Using a Hypercube Model

Content Provider	IEEE Xplore Digital Library
Author	HaiBo Zhu Ying Zou
Copyright Year	2008
Description	Author affiliation: Harbin Univ. of Commerce, Harbin (HaiBo Zhu)
Abstract	Information and communication technologies innovating applications have posed technical, organizational and commercial challenges in financial industry. This study uses a hypercube model to investigate E-bank innovative changes in China and discuss their impacts on stakeholders: customers, banks, complementary providers and regulators. The results indicate that Internet bank (I-bank) differs substantially from telephone bank (Tele-bank) in technological components and business model. From Tele-bank to I-bank, innovation is radical to customers, banks and complementary providers, architectural regulators. However, From I-bank to Mobile bank (M-bank), innovation is architectural to customers and banks, modular to regulators, radical to complementary providers. We think that the innovation from Tele-bank to I-bank is not a simple supplement process. The changes will widely influence on the whole banking industry. The innovations from I-bank to M-bank, it is thought to be primarily a process of supplement rather than a process of substitute.
Starting Page	678
Ending Page	683
File Size	238693
Page Count	6
File Format	PDF
ISBN	9780769531311
DOI	10.1109/ICIS.2008.13
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2008-05-14
Publisher Place	USA
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	Technological innovation Hypercubes Banking Web and internet services Industrial relations Regulators Business Communications technology Communication industry Telephony Hypercube model Innovation E-bank Tele-bank Internet bank Mobile bank
Content Type	Text
Resource Type	Article

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1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
2	Indian Institute of Technology Kharagpur	Host Institute of the Project: The host institute of the project is responsible for providing infrastructure support and hosting the project	https://www.iitkgp.ac.in
3	National Digital Library of India Office, Indian Institute of Technology Kharagpur	The administrative and infrastructural headquarters of the project	Dr. B. Sutradhar bsutra@ndl.gov.in
4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
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9	IDR Setup or Support	Queries related to establishment and support of Institutional Digital Repository (IDR) and IDR workshops	idr@ndl.gov.in

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