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NOTICIAS DESTACADAS

Noticia BANCA 4.0

JLP WorkGroup. Economía y Finanzas.
Web educativa Prof Dr Joaquín López Pascual.
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HACIA UNA BANCA 4.0

Web educativa JLP WorkGroup, para su lectura y reflexión

Nos adentramos en una transformación de la banca precipitada por el Covid-19 y la digitalización en la que, quien se quede atrás, tiene riesgo de perder una gran cuota de mercado. Porque, la banca ya no se enfrenta sólo a ella misma sino también a otros competidores que han entrado en el terreno de juego como pueden ser las fintechs u otras empresas financieras.

en:

https://transformaciondigital.elmundo.es/hacia-una-banca-4-0

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RECURSOS Y CONTENIDO

WEALTHTECH PATRIMONIO Y TECNOLOGÍA, DONDE LOS DATOS Y LA INVERSIÓN LO ES TODO

JLP WorkGroup. Economía y Finanzas.
Web educativa Prof Dr Joaquín López Pascual.
Últimas entradas de jlpworkgroup (ver todo)

Wealth es una subcategoría de FinTech

El sector WealthTech o Digital Wealth Management, está dirigido a la prestación de asesoramiento financiero y a la captación y gestión de ahorradores/inversores en productos financieros.

Un servicio que normalmente era prestado  por entidades financieras o empresas de servicios de inversión tradicionales.

WealthTech son:

  • Procesos
  • Aplicaciones
  • Productos
  • Modelos de Negocio 

Another papers about FinTech, and more topics

See...

https://www.joaquinlopezpascual.com/publicaciones

 
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RECURSOS Y CONTENIDO

Dynamic versus static culture in international business: a study of Spanish banking in China

JLP WorkGroup. Economía y Finanzas.
Web educativa Prof Dr Joaquín López Pascual.
Últimas entradas de jlpworkgroup (ver todo)

Joaquin López Pascual and Yingying Zhang

The purpose of this paper is to empirically identify two types of cultural perspective in cross‐cultural management studies: dynamic versus static perspectives, in particular their interaction in the international business of the firm.

Design/methodology/approach – The paper adopts an exploratory approach using qualitative data. After two phases of data collection, the management by values concept is taken to identify both the manifested and latent levels of characteristics of these two different approaches to cross‐cultural management in international business.

Findings – The study results identify the characteristics of two cultural perspectives: dynamic versus static. Tables on static cultural comparison and the acculturation process illustrate their different natures and highlight their potential implications for further business and theoretical development.

Originality/value – The paper empirically identifies dynamic and static cultural perspectives in international business process, highlighting the relevance of distinguishing these two perspectives in the globalizing business world. The characteristics of dynamic and static culture illustrated build a base for further research in this line for international business and cross cultural management.

Zhang, Yingying & Pascual, Joaquin. (2012). Dynamic versus static culture in international business: A study of Spanish banking in China. Cross Cultural Management: An International Journal. 19. 588-611. 10.1108/13527601211270039. 
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RECURSOS Y CONTENIDO

Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

JLP WorkGroup. Economía y Finanzas.
Web educativa Prof Dr Joaquín López Pascual.
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Roberto Moro-Visconti, Salvador Cruz Rambaud and Joaquín López Pascual

Financial Technology (FinTech) is an industry composed of diversified firms that combine financial services with innovative technologies.

The research question and main goal are attempting to answer whether they are more similar to traditional banks or trendy technological firms deploying their innovativeness to favor financial inclusion and sustainability.

Objective: This study goes beyond the extant literature, analyzing the differences between FinTechs and traditional banks in market valuation, and showing the potential for digital interaction and cross-pollination of complementary business models.

Methodology: The differences will be empirically analyzed with the stock market valuation and the multipliers associated with these firms.

Results: The main contribution of this paper is that the appraisal approaches of FinTechs follow those of technological startups, having a revenue model much more scalable than that of a typical bank.

FinTechs may so provide a solution for sustainable finance with microfinance and crowdfunding among others.

FinTechs and traditional banks may eventually converge towards a common market exploiting co-opetition strategies.

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