Bibliographical references


Akkizidis, I.; Stagars, M. (2016) Marketplace lending, Financial Analysis, and the Future of credit: Integration, Profitability, and risk management. Chichester, West Sussex, John Wiley Sons Inc.

Asiedu, E. (2016) A Study of use and Impact of Market Segmentation Practices on Bank Performance: With Special Reference to Commercial Banks in Colombia. Journal of Business and Financial Affairs, N. 5 (01). DOI: 10.4172/2167-0234.1000162.

Baumgärtner, C. et al. (2018) Global Corporate Banking 2018: Unlocking Success Through Digital. Boston Consulting Group. Boston.

Bömer, M.; Maxin, H. (2018) Why Fintechs Cooperate with Banks – Evidence from Germany. Hannover Economic Papers (HEP) N. 637. Hannover.

Bonaccorsi di Patti, E.; Gobbi, G.; Mistrulli, P. (2004) The interaction between face to face and electronic delivery. The case of the Italian banking industry, In Temi di discusione del Servizio Studi Banca d'Italia, N. 508. https://www.bancaditalia.it/pubblicazioni/temi-discussione/2004/2004-0508/tema_508.pdf.

Brühl, V. (2017) Bitcoins, Blockchain und Distributed Ledgers. In Wirtschaftsdienst N. 97 (2), pp. 135–142. DOI: 10.1007/s10273-017-2096-3.

Casey, M.; Crane, J.; Gensler, G.; Johnson, S.; Narula, N. (2018) The impact of blockchain technology on finance. A catalyst for change. Geneva: ICMB International Center for Monetary and Banking Studies, Geneva reports on the world economy, 21.

Catalini, C. (2017a) How Blockchain Applications will move Beyond Finance, Cambridge-MA: Massachusetts Institute of Technology.

Catalini, C. (2017b) How Blockchain Technology Will Impact the Digital Economy, February 2019, https://www.law.ox.ac.uk/business-law-blog/blog/2017/04/how-blockchain-technology-will-impact-digital-economy. checked on 6/23/2019.

Chatfield, C.; Collins, A. (2018) Introduction to Multivariate Analysis. Chapman and Hall/CRC Texts in Statistical Science, New York: Routledge.

Chesbrough, H. (2003) Open Innovation: The new imperative for creating and profiting from technologies. Cambridge-MA: Harvard Business School Press.

Chesbrough, H. (2010) Business model innovation, opportunities and barriers. Long Range Planning, Nº 43, pp. 354-363. https://doi.org/10.1016/j.lrp.2009.07.010.

Chishti, S.; Barberis, J. (2016) The Fintech book: The financial technology handbook for investors, entrepreneurs and visionaries. Chichester, West Sussex: John Wiley & Sons.

Ciciretti, R.; Hasan, I.; Zazzara, C. (2009) Do Internet Activities Add Value? Evidence from the Traditional Banks, Journal of Financial Services Research N. 35 (1), pp. 81–98. DOI: 10.1007/s10693-008-0039-2.

Christensen, C. (1997) The Innovator's Dilemma: The Revolutionary Book that Will Change the Way You Do Business. http://www.citeulike.org/group/236/article/219653 checked on 6/23/2019.

Colaert, V. (2018) RegTech as a response to regulatory expansion in the financial sector. KU Leuven, checked on 12/31/2018.

Collins, M. (2018) Fintechs could challenge the business model of savings banks. Equity N. 32 (10), Sydney: Australian Shareholders Association, pp. 4–6.

Cortina, J.; Schmukler, S. (2018) The Fintech Revolution: A Threat to Global Banking? World Bank Group N. 14.

Demirgüç-Kunt, A.; Huizinga, H. (2013) Are banks too big to fail or too big to save? International evidence from equity prices and CDS spreads. Journal of Banking & Finance N. 37 (3), pp. 875–894. DOI: 10.1016/j.jbankfin.2012.10.010.

De Young, R.; Lang, W.; Nolle, W.; Daniel L. (2007) How the Internet affects output and performance at community banks, Journal of Banking and Finance, vol. 31, pp. 1033–1060.

EBA (2017) Discussion Paper on the EBA’s approach to financial technology (FinTech), Paris: European Banking Authority, https://eba.europa.eu/documents/10180/1919160/EBA+Discussion+Paper+on+Fintech+%28EBA-DP-2017-02%29.pdf.

Dorfleitner, G.; et al. (2017) FinTech-Markt in Deutschland. Cham (Switzerland): Springer International Publishing.

Douglas W.; Barberis J.; Buckley R. (2015) The Evolution of Fintech: A New Post-Crisis Paradigm?, University of Hong Kong Faculty of law (Researchpaper, 2015/047). Available online at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2676553, checked on 9/7/2016.

Evans, Ph.; Wurster, Th. S. (1999) Blown to Bits. Boston: Harvard Business School Press.

Fernández-Torres, Y.; Gutiérrez-Fernández, M.; Palomo-Zurdo, R. (2019) ¿Cómo percibe la banca cooperativa el impacto de la transformación digital?, CIRIEC-España, Revista de Economía Pública, Social y Cooperativa, Nº 95, pp. 11-38.

Feng, G.; Wang, C. (2018) Why European banks are less profitable than U.S. banks. A decomposition approach. Journal of Banking & Finance, N. 90, pp. 1–16. DOI: 10.1016/j.jbankfin.2018.02.017.

Gasser, U.; et al. (2017) Digital Banking 2025. Berkman Klein Center for Internet & Society Harvard University Havard, https://www.alexandria.unisg.ch/253962/1/Digital%20Banking%202025%20FINAL%20Version.pdf.

Gentry, R.; Shen, W. (2010) The Relationship between Accounting and Market Measures of Firm Financial Performance: How Strong Is It?, Journal of Managerial Issues N. 22 (4), pp. 514–530.

Giesen, E.; Riddleberger, E.; Christensen, R.; Bell, R. (2010) When and how to innovate your business model. Strategy and Leadership, V. 38, N. 4, pp. 17-26. https://doi.org/10.1108/10878571011059700.

Gomber, P.; Koch, J.; Siering, M. (2017) Digital Finance and FinTech. Current research and future research directions, Journal of Business Economic, N. 87 (5), pp. 537–580. DOI: 10.1007/s11573-017-0852-x.

Hernando, I.; Nieto, M. J. (2007) Is the Internet delivery channel changing banks’ performance? The case of Spanish banks, Journal of Banking and Finance, V. 31, pp. 1083–1099.

Hochstein, M. (2015) BankThink Fintech (the Word, That Is) Evolves. American Banker. New York.

Kothari, C. (2014) Research Methodology: Methods and Techniques, Third edition. New Delhi: New Age International (P) Limited.

Keeling, K.; Pavur, R. (2007) A comparative study of the reliability of nine statistical software packages, Computational Statistics & Data Analysis, N. 51 (8), pp. 3811–3831. DOI: 10.1016/j.csda.2006.02.013.

Lee, I.; Shin, Y. (2018) Fintech. Ecosystem, business models, investment decisions, and challenges. Business Horizons N. 61 (1), pp. 35–46. DOI: 10.1016/j.bushor.2017.09.003.

Massanell, J. A. (2016) La transformación de la banca: reorientación de los canales y servicios digitales. Papeles de Economía Española, N. 149, pp. 93-99.

Maudos, J. (2017) Modelos de negocio en la banca europea: cambios. Cuadernos de Información Económica, N. 257, March, pp. 11-25.

May, T.C. (1992) The Crypto Anarchist Manifesto. http://nakamotoinstitute.org/literature/crypto-anarchist-manifesto/, checked 6/25/2018.

Oguz., T. et al. (2016): FinTechnicolor-The-New-Picture-in-Finance, McKinsey. New York.

Poppensieker; T. et al. (2017) A brave new world for global banking, McKinsey. New York

Messenbock, R. (2017) The Seven Rules of Cost Excellence in Banking, Boston Consulting Group. Boston.

Morris, L. (2006) Business Model Innovation: The Strategy of Business Breakthroughs. International Journal of Innovation Science, V. 1, N. 4, pp. 191-204. https://doi.org/10.1260/1757-2223.1.4.191.

Nouy, D. (2015) Universal bank model not at an end - ECB bank watchdog. Handelsblatt 2015, 4/1/2015. https://uk.reuters.com/article/uk-deutsche-bank-regulator/universal-bank-model-not-at-an-end-ecb-bank-watchdog-idUKKBN0MS3M920150401.

Palomo Zurdo, R., Fernández Torres, Y. y Gutiérrez Fernández, M. (2018) Banca cooperativa y transformación digital: hacia un nuevo modelo de relación con sus socios y clientes. REVESCO. Revista de Estudios Cooperativos, Tercer Cuatrimestre, Nº 129, pp. 161-182. DOI: 10.5209/REVE.62490.

Pfister, R.; Schwarz, K.; Carson, R.; Jancyzk, M. (2013) Easy methods for extracting individual regression slopes: Comparing SPSS, R, and Excel. Tutorials in Quantitative Methods for Psychology, N. 9, pp. 72–78.

Porter, M. (1985) Technology and Competitive Advantage, Journal of Business Strategy, N. 5 (3), pp. 60–78. DOI: 10.1108/eb039075.

Porter, M. (1996) What Is Strategy? Harvard Business Review, V. 74, Issue 6, pp. 61–78.

Schueffel, Patrick (2016): Taming the Beast. A Scientific Definition of Fintech, Fribourg. Institute of Finance.

Schredelseker, K. (2015) Den Finanzmarkt verstehen. Worin unterscheiden sich die Akteure an den Finanzmärkten? Anlagestrategie und Börse: Warum der Hund es besser kann. Wiesbaden: Springer Spektrum.

Shinmura, S. (2015) The 95% confidence intervals of error rates and discriminant coefficients, Statistics, Optimization & Information Computing. N. 3 (1). DOI: 10.19139/soic.v3i1.109.

Staykova, K.; Damsgaard, J. (2015) The race to dominate the mobile payments platform: Entry and expansion strategies. Electronic Commerce Research and Applications N. 14 (5), pp. 319–330. DOI: 10.1016/j.elerap.2015.03.004.

Wright, T. P. (1936) Factors Affecting the Cost of Airplanes. Journal of the Aeronautical Sciences N. 3 (4), pp. 122–128. DOI: 10.2514/8.155.

Zachariadis, M.; Ozcan, P. (2017) The API Economy and Digital Transformation in Financial Services: The Case of Open Banking. SWIFT Institute Working Paper, N. 2016-001. DOI: http://dx.doi.org/10.2139/ssrn.2975199. checked on 6/23/2019.

Zott, C.; Amit, R. (2007) Business model design and the performance of entrepreneurial firms. Organization Science, N. 18, pp. 181-199.

Zott, C.; Amit, R. (2017) Business Model Innovation. How to Create Value in a Digital World. GfK Marketing Intelligence Review N. 9 (1), pp. 18–23. DOI: 10.1515/gfkmir-2017-0003.