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DIGITALISERING INOM BANKSEKTORN: Hur uppfattar svenska storbanker och FinTech bolag de möjligheter och hot som uppkommer i samband med den ökande digitaliseringen?
University of Skövde, School of Business.
University of Skövde, School of Business.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
DIGITIZING IN THE BANKING SECTOR : How do the big Swedish banks and FinTech companies perceive the different opportunities and threats related to the increased digitalization? (English)
Abstract [sv]

Inledning: En stor del av den svenska ekonomin vilar på den svenska banksektorn. I och med den ökande digitaliseringen som blivit än mer påtaglig på senare tid har konkurrenssituationen bidragit till ett nytt utgångsläge än tidigare. Idag talas det om nya konkurrenter i banksektorn, som FinTech bolag, internationella banker och andra aktörer som börjar utmana svenska storbanker om fler marknadsandelar.

Syfte och problemformulering: Syftet med arbetet är att identifiera, beskriva och förklara hur svenska storbanker och FinTech bolag uppfattar möjligheterna och hoten i samband med den ökande digitaliseringen inom banksektorn. Detta är för att försöka skapa en förståelse för förändringen av banksektorn i samband med digitaliseringen. Hur uppfattar svenska storbanker och FinTech bolag de möjligheter och hot som uppkommer i samband med den ökande digitaliseringen?

Teoretisk referensram: De teorier som har använts under studien är isomorfismen med underbegreppen tvingande, imiterande och normativ isomorfism samt Porters strategiteori, femkraftsmodellen. En SWOT analys har använts för att enklare kunna identifiera bankernas styrkor, svagheter, möjligheter och hot i samband med digitaliseringen. Studien har även använt sig av tidigare forskning och tagit hänsyn till strävan efter legitimitet och krav på kostnadseffektivisering. Detta har använts som stöd till det empiriska resultat som samlats in för att enklare kunna analysera och därmed få problemformuleringen besvarad.

Metod: Det empiriska materialet har samlats in med en kvalitativ metod. 5 informanter har medverkat i semistrukturerade intervjuer.

Slutsats: Författarna till studien har identifierat och beskrivit flera faktorer till hur de uppfattar de möjligheter och de hot som finns i samband med den ökande digitaliseringen. Informanterna belyste både möjligheter och hot, exempelvis att regelverket PSD2 ökar konkurrensen och förbättrar situationen för mindre aktörer att konkurrera mot de större bankerna. Studien har även begränsats till svenska storbanker och FinTech bolag.

Abstract [en]

Introduction: A big part of the Swedish economy rests on the shoulders of the Swedish bank sector. Because of the increasing digitalization in recent times, the difference in competition has become substantially more evident and it has received a completely new starting point compared to before. The newest and most recent additions to the competition within the banking sector are examples such as FinTech companies, international banks and other parties that are also starting to compete with the big Swedish banks for market shares.

Purpose and problem formulation: The purpose of this study is to describe the way the big Swedish banks and FinTech companies perceive the different opportunities and threats related to the increased digitalization that we see today. This will allow us to try and create an understanding of what the future might look like and what has already changed within the banking sector ever since the introduction of digitalization. How do the big Swedish banks and FinTech companies perceive the different opportunities and threats related to the increased digitalization?

Theoretical frame of reference: The theories that have been used during the study are isomorphism with the notion of compelling, imitating and normative isomorphism as well as Porter's strategy theory, the five force model. A SWOT analysis has been used to more easily identify the banks' strengths, weaknesses, opportunities and threats during the digitization. The study has also used previous research and taken into account the quest for legitimacy and demands for cost efficiency. This has become a support for the empirical results that have been collected in order to be able to analyze more easily, reach a conclusion and thus get the problem formulation answered.

Method: The empirical material has been collected with a qualitative method. 5 informants have participated in semi-structured interviews.

Conclusion: The authors of the study have identified, described and explained several factors as to how they perceive opportunities and threats during the increasing digitization. The informants shared both opportunities and threats, such as the fact that the PSD2 regulations increase competition and improve the situation for smaller players to compete against the big banks. The study has also been limited to big Swedish banks and FinTech companies.

Place, publisher, year, edition, pages
2019. , p. 66
Keywords [en]
Digitization, legitimacy, cost-effectiveness, isomorphism, the five-force model.
Keywords [sv]
Digitalisering, legitimitet, kostnadseffektivitet, isomorfism, femkraftsmodellen.
National Category
Business Administration
Identifiers
URN: urn:nbn:se:his:diva-17538OAI: oai:DiVA.org:his-17538DiVA, id: diva2:1343259
Subject / course
Business Administration
Educational program
Business Administration and Economics - Study Programme
Supervisors
Examiners
Available from: 2019-08-19 Created: 2019-08-15 Last updated: 2019-08-19Bibliographically approved

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