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The Dynamics of Product and Process Innovation in UK Banking

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Author Info
Bernardo Batiz-Lazo (London South Bank University)
Kassa Wondelsebet (Open University)

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Abstract

Sustained competitive advantage depends heavily on the ability of organisations to internalise the benefits of innovative activities. While the vital importance of innovation in today’s competitive climate has been widely proclaimed, our understanding of innovative behaviour in service organisations is not yet fully developed. This article documents an interpretative approach (based on archival research and semi- structured interviews) of the main drivers of change in organisational function (process) and access to financial markets (service or product) in UK commercial banking. As a result, research in this article contributes the understanding of innovation in service organisations by exploring past and present perceptions of banks' senior managers and management consultants on the importance and factors stimulating and constraining the adoption of new technology in financial intermediaries.

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File URL: http://129.3.20.41/eps/io/papers/0405/0405001.pdf
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Publisher Info
Paper provided by EconWPA in its series Industrial Organization with number 0405001.

Download reference. The following formats are available: HTML (with abstract), plain text (with abstract), BibTeX, RIS (EndNote, RefMan, ProCite), ReDIF
Length: 25 pages
Date of creation: 03 May 2004
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Handle: RePEc:wpa:wuwpio:0405001

Note: Type of Document - pdf; pages: 25
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Web page: http://129.3.20.41

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Keywords: banks; innovation;

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Find related papers by JEL classification:
M - Business Administration and Business Economics; Marketing; Accounting

This paper has been announced in the following NEP Reports:

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Phil Molyneux & Nidal Shamroukh, 1996. "Diffusion of financial innovations: the case of junk bonds and note issuance facilities," Proceedings, Federal Reserve Bank of Cleveland, issue Aug, pages 502-526.
    Other versions:
  2. Barras, Richard, 1990. "Interactive innovation in financial and business services: The vanguard of the service revolution," Research Policy, Elsevier, vol. 19(3), pages 215-237, June. [Downloadable!] (restricted)
  3. David T Llewellyn, 1996. "Banking in the 21st Century: The Transformation of an Industry," RBA Annual Conference Volume, in: Malcom Edey (ed.), The Future of the Financial System Reserve Bank of Australia. [Downloadable!]
  4. Edward J. Kane, 1981. "Accelerating Inflation, Technological Innovation, and the Decreasing Effectiveness of Banking Regulation," NBER Working Papers 0638, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  5. Miller, Merton H., 1986. "Financial Innovation: The Last Twenty Years and the Next," Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 21(04), pages 459-471, December. [Downloadable!]
  6. Fariborz Damanpour, 2001. "The Dynamics of the Adoption of Product and Process Innovations in Organizations," Journal of Management Studies, Blackwell Publishing, vol. 38(1), pages 45-65, 01. [Downloadable!] (restricted)
  7. W. Scott Frame & Lawrence J. White, 2002. "Empirical studies of financial innovation: lots of talk, little action?," Working Paper 2002-12, Federal Reserve Bank of Atlanta. [Downloadable!]
  8. Bernardo Batiz-Lazo & Douglas Wood, 2002. "Management of Core Capabilities in Mexican and European Banks," Industrial Organization 0211014, EconWPA. [Downloadable!]
  9. Lopez, Luis E. & Roberts, Edward B., 2002. "First-mover advantages in regimes of weak appropriability: the case of financial services innovations," Journal of Business Research, Elsevier, vol. 55(12), pages 997-1005, December. [Downloadable!] (restricted)
  10. Berger, Allen N, 2003. " The Economic Effects of Technological Progress: Evidence from the Banking Industry," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 35(2), pages 141-76, April.
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  11. W. Scott Frame & Lawrence White, 2002. "Empirical Studies of Financial Innovation: Lots of Talk, Little Action?," Working Papers 02-18, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
  12. Katz, Michael L & Shapiro, Carl, 1994. "Systems Competition and Network Effects," Journal of Economic Perspectives, American Economic Association, vol. 8(2), pages 93-115, Spring. [Downloadable!] (restricted)
  13. Kane, Edward J, 1981. "Accelerating Inflation, Technological Innovation, and the Decreasing Effectiveness of Banking Regulation," Journal of Finance, American Finance Association, vol. 36(2), pages 355-67, May. [Downloadable!] (restricted)
  14. Frambach, Ruud T. & Schillewaert, Niels, 2002. "Organizational innovation adoption: a multi-level framework of determinants and opportunities for future research," Journal of Business Research, Elsevier, vol. 55(2), pages 163-176, February. [Downloadable!] (restricted)
  15. Sirilli, Giorgio & Evangelista, Rinaldo, 1998. "Technological innovation in services and manufacturing: results from Italian surveys," Research Policy, Elsevier, vol. 27(9), pages 881-899, December. [Downloadable!] (restricted)
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