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This paper introduces the concept of modularity in financial services, discusses how new value chains are created and addresses emerging opportunities for innovative business models in the digital economy. We argue that innovation occurred in the banking sector despite the lagging adoption of new operational practices but due to technology drive for new ways to provide services. Banking innovation...
The objective of this paper is to put forward a discussion of how a better understanding of the issues surrounding control can be an important element in the development of generativity strategies in business models for mobile platforms, such as Apple's iPhone. Generativity refers to “a technology's overall capacity to produce unprompted change driven by large, varied, and uncoordinated audiences”...
Mobile platform owners are faced with a tension. On one hand they foster generativity to enable third parties to innovate compelling services. On the other hand they regulate innovation on their platforms in order to protect their commercial interests. This tension leads to complex interactions between platform owners and third parties as they negotiate the extent and nature of innovation. This paper...
This paper outlines an ongoing programme of research, which concerns a methodology for the development and analysis of business models concerning mobile service platforms. These platforms result from the generative system that is the mobile Internet combined with mobile devices, further enhanced by advanced user interaction modalities. The mobile telecoms industry seeks to control the mobile Internet...
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