Search results for "vertical scope"

showing 2 items of 2 documents

What drives the disintegration of the loan origination value chain in the banking business

2015

Purpose - The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank's decision to vertically disintegrate the loan origination value chain. The main aim is to identify the relevant drivers of the decision to vertically disintegrate the credit assessment phase in the lending business.Design/methodology/approach - Transaction cost economics and information asymmetry are the typical perspectives of analysis of the vertical scope of business value chains.Findings - This paper argues that in order to capture the drivers underlying the dynamic evolution…

Transaction costSettore SECS-P/11 - Economia Degli Intermediari FinanziariLoan originationBusiness modelBusiness valueInformation asymmetryInformation marketVertical disintegrationOrder (exchange)EconomicsBusiness Management and Accounting (miscellaneous)Business and International ManagementMarketingIndustrial organizationLending Value chain Information sharing Vertical scope Banking Credit information.Business Process Management Journal
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Brokers in the Credit Market: An Examination of the Vertical Scope

2014

This paper analyzes the vertical disintegration of the bank loan origination value chain. The main aim is to identify the relevant drivers which cause the emergence of brokers in the credit market which lead to vertical disintegration of the credit origination value chain. Transaction cost economics is the typical perspective of analysis of the vertical scope of banking value chains. This paper argues that in order to capture the drivers underlying the dynamic evolution of the vertical scope of bank loan origination business models, the above perspectives must be combined and further integrated with a capabilities and resource based view and with a modularity perspective.

Transaction costvertical disintegration.Scope (project management)lendingSettore SECS-P/11 - Economia Degli Intermediari FinanziariLoan originationGeneral MedicineBusiness modelloan originationvertical scopeOrder (exchange)Vertical disintegrationResource-based viewBond marketvalue chainBusinessIndustrial organizationLoan broker
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