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Competition And It-Based Innovation In Banking Services

Author

Listed:
  • KITTIWAT UCHUPALANAN

    (Deputy Director of Science, Technology and Innovation Policy Research Project, National Science and Technology Development Agency, 73/1 Rama VI Rd, Rajdhavee, Bangkok 10400, Thailand)

Abstract

This article examines the dynamic relationships between competitive strategy and information technology (IT)-based product and process innovation in financial services. The study draws on detailed case studies of five IT-based innovations: Interbranch Online service, Automated Teller Machine service, Credit Card service, Remote Banking service, and Electronic Funds Transfer at Point of Sale service. It examines the development of these innovations in the Thai banking industry from the mid-1960s. The results indicate the limitations of the Reverse Product Cycle model approach, and an alternative conceptual framework and a country-specific innovation model are proposed. Possible avenues for further research on innovation in services and service innovation are suggested, together with steps towards developing a unified approach to innovation and competition for both the service and manufacturing functions.

Suggested Citation

  • Kittiwat Uchupalanan, 2000. "Competition And It-Based Innovation In Banking Services," International Journal of Innovation Management (ijim), World Scientific Publishing Co. Pte. Ltd., vol. 4(04), pages 455-489.
    • Handle: RePEc:wsi:ijimxx:v:04:y:2000:i:04:n:s1363919600000238
    DOI: 10.1142/S1363919600000238
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    Citations

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    Cited by:

    1. Djellal, Faridah & Gallouj, Faïz & Miles, Ian, 2013. "Two decades of research on innovation in services: Which place for public services?," Structural Change and Economic Dynamics, Elsevier, vol. 27(C), pages 98-117.
    2. David Rooney & Tom Mandeville & Tim Kastelle, 2013. "Abstract Knowledge and Reified Financial Innovation: Building Wisdom and Ethics Into Financial Innovation Networks," Journal of Business Ethics, Springer, vol. 118(3), pages 447-459, December.
    3. Noronha, Teresa, 2013. "KIBS in Peripheral Regions: Major Outlines," Spatial and Organizational Dynamics Discussion Papers 2013-4, CIEO-Research Centre for Spatial and Organizational Dynamics, University of Algarve.
    4. Fariborz Damanpour & Richard M. Walker & Claudia N. Avellaneda, 2009. "Combinative Effects of Innovation Types and Organizational Performance: A Longitudinal Study of Service Organizations," Journal of Management Studies, Wiley Blackwell, vol. 46(4), pages 650-675, June.
    5. Bruce Tether, 2003. "The sources and aims of innovation in services: Variety between and within sectors," Economics of Innovation and New Technology, Taylor & Francis Journals, vol. 12(6), pages 481-505.
    6. Davide Consoli, 2003. "The evolution of retail banking services in United Kingdom: a retrospective analysis," Industrial Organization 0310002, University Library of Munich, Germany.
    7. Consoli, Davide, 2005. "The dynamics of technological change in UK retail banking services: An evolutionary perspective," Research Policy, Elsevier, vol. 34(4), pages 461-480, May.
    8. Cristina Fernandes & João Ferreira & Carla Marques, 2015. "Innovation management capabilities in rural and urban knowledge intensive business services: empirical evidence," Service Business, Springer;Pan-Pacific Business Association, vol. 9(2), pages 233-256, June.
    9. Bernardo Batiz-Lazo & Kassa Woldesenbet, 2006. "The dynamics of product and process innovations in UK banking," International Journal of Financial Services Management, Inderscience Enterprises Ltd, vol. 1(4), pages 400-421.
    10. Tether, Bruce S. & Hipp, Christiane & Miles, Ian, 2001. "Standardisation and particularisation in services: evidence from Germany," Research Policy, Elsevier, vol. 30(7), pages 1115-1138, August.
    11. Poh-Kam Wong & Zi-Lin He, 2002. "The Impacts of Knowledge Interaction with Manufacturing Clients on KIBS Firms Innovation Behaviour," WIDER Working Paper Series DP2002-69, World Institute for Development Economic Research (UNU-WIDER).

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