Cet article appartient au dossier : DOSSIER, ESCP Applied Research Papers 15.

Incumbents’ legitimacy

May established banks expect to benefit from a reputation effect with users?

The influence of branding strongly affects the perceived utility but it also plays an important role toward emotional value, which has a significant impact on the willingness to adopt new digital solutions.

Tableau 1


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Cet article est extrait de
Banque & Stratégie n°397


Recently introduced European regulations (PSD2, Open Banking Initiative) have triggered huge changes in the banking landscape. These changes concern the ownership and the access to the financial data of bank’s customers. Consumers are now enabled to provide access to their financial and transaction information to third party providers. These players, among which we can account major Tech giants and rising Fintech companies, extend to consumer a new kind of offer in a tailored and innovative way, going beyond the traditional banking activities.Most banks nowadays have realized that the key ...
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Banque & Stratégie

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ESCP Applied Research Papers 15

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