FinTechs, BigTechs and diminishing bank franchise values: Stakeholder perspectives on a disruptive emerging financial ecosystem
基于独特的高管数据，研究了金融科技和大型科技公司如何削弱银行特许权价值，揭示了颠覆性创新中管理视角的冲突，对金融从业者和学者有参考价值。
• Unique & elite data shed light on the tensions among clashing managerial perspectives in the disruptive innovation domain. • The hegemony of banks is diminishing as disruptive innovation has led to the commoditisation of banking services. • Hyperlocal platformization & institutional ambidexterity confer a competitive advantage of who controls customer interface. • Money digitisation & data monetisation become dominant in defining a conclusive taxonomy of new business & income models. • We update and enrich the current literature on disruptive innovation in the emerging financial ecosystem.