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L'impatto della New Economy sull'attività bancaria italiana: un'analisi qualitativa

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  • Chiara Oldani

    (Luiss Guido Carli)

Abstract

La New Economy è un fenomeno che ha impresso una spinta verso l’utilizzo massiccio delle nuove tecnologie al livello mondiale nell’attività economica; l’Italia sta ponendosi sul sentiero dell’innovazione, anche se negli ultimi tre anni gli investimenti hanno inevitabilmente rallentato, a causa dell’avversa congiuntura economica. L’innovazione tecnologica impatta sull’attività bancaria sia dal lato dell’offerta di servizi alla clientela, sia dal lato della domanda da parte della clientela. Il sistema bancario italiano sta utilizzando l’innovazione per modificare la propria struttura e per cogliere nuove occasioni di profittabilità e di miglioramento della performance. La recente letteratura ha evidenziato come i grandi gruppi bancari, in grado di sostenere ingenti investimenti, possano offrire servizi innovativi alla clientela, ma questo può avvenire attraverso la creazione della rete per la distribuzione del servizio, oppure con l’acquisizione/fusione con una banca online pre-esistente.

Suggested Citation

  • Chiara Oldani, 2005. "L'impatto della New Economy sull'attività bancaria italiana: un'analisi qualitativa," Finance 0504001, EconWPA.
  • Handle: RePEc:wpa:wuwpfi:0504001
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    References listed on IDEAS

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    JEL classification:

    • L - Industrial Organization
    • O - Economic Development, Innovation, Technological Change, and Growth

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